vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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 2025-05-19 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, XXXXXXXX XXXX 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 2025-05-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: CO

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: MOHELA
State: NC

Complaint narrative:
I currently have XXXX federal student loans serviced by Mohela. Each loan is reported individually to the credit bureaus, with separate due dates and statuses. I emailed Mohela on XX/XX/XXXX and XX/XX/XXXX asking about their policy for handling default student loans. While I acknowledge that XXXX of these loans are currently over XXXX days delinquent, Mohela responded that if these XXXX loans default, they will report all XXXX loans as being in default. 

This practice is deeply concerning. Reporting all XXXX loans as defaulted, even when the majority are either current or only slightly behind, would cause XXXX separate derogatory entries on my credit report, severely damaging my credit profile. This would not only misrepresent my financial behavior but also seems to contradict the individualized manner in which the loans are tracked and reported. 

To date, I have sent XXXX written requests to Mohela ( on XX/XX/XXXX and XX/XX/year> ) seeking clarification on this policy. I have received no response.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-19 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:
XXXX XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 XXXX as proof from the XXXX 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 explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: 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 Experian, XXXX  XXXX XXXX  credit report on XX/XX/year> 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 explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: OR

Complaint narrative:
I called in on XX/XX/XXXX to make a payment arrangement and came to an agreement of {$80.00} per month. My job changed and Im now paid monthly not every XXXX weeks. She said I would not be reported more than 30 days late and I could make these payments until the pay due amount was paid. I was NOT told I would have to make regular biweekly payments in addition to this arrangement. Now the company has accelerated my loan to the total amount of XXXX due payable in full. I just spoke with the rep today and no further arrangements can now be made and the celebration can not be reversed. I am also being reported 60 days past due now. I have no way of paying this amount right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: Exeter Finance, LLC.
State: IN

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for meta ensure accuracy. Here is the item I am asking you to verify as accurate. 
Experian : [ EXETER FINANCE LLC ] [ # XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-05-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Ocwen Financial Corporation
State: MN

Complaint narrative:
The put my roommate on the mortgage when the VA loan was only backed for me. They sent a package and Ive completed all the paperwork multiple times. They respond once every few weeks for more information when they already have it. Everyone who I speak with is located in XXXX and is unwilling to transfer me to anyone actually working my claim/ROI whatever you want to call it. They keep saying I will receive a phone call but it never happens. I even had VA contact them and same thing, just keep getting the run around with no resolution. I need this man off my mortgage. We are not married. We were never married. I need urgency this has already been several months it should not take this long. PHH mortgage is the absolute worst or the worst.VA has been GREAT though.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: TN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-05-19 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: WA

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
Consumer complaint received 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank USA refused to allows me to make a withdrawal of my fund that is in the account. When asked the manager they say company policy we dont hold a large sum of cash. I asked the Manager to give me an explanation, she was unable to speak the truth. 
The money was in the account. I was not doing an overdraft or requesting a loan, it was my very own money. 
The money was for my travel purpose to help my sick mother in law. When I get back I will be closing all business with TD, I will never bank with TD again. 
BEFORE YOU OPEN AN ACCOUNT WITH TD BE SURE TO ASK THIER WITHDRAWAL POLICY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
XX/XX/year> I made a payment of {$1400.00} to my auto company from my XXXX account via Bank of America XXXX. 

The auto company received and reversed the payemnt on the same day. The money did NOT return to my account. The auto company said Bank of America reversed it and advised me to contact XXXX XXXX ( a third party payment processor ). 

XXXX XXXX redirected me back to Bank of America, refusing to speak further. 
For months, Bank of America denied using XXXX XXXX and kept requesting information from my auto company, such as batch numbers, account information, dollar amount my auto company sent out for that day. All of this, while I was on the XXXX way call. 

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX from the auto company and Bank of America XXXX ( XXXX ) confirmed again Bank of America does NOT use XXXX XXXX for bill pay. 

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX  finally confirmed Bank of America DOES use XXXX XXXX XXXX XXXX XXXX 

XX/XX/year> : Bank of America wrongly claimed the funds were sent to my XXXX ACCOUNT, but no such deposit exists. 
So I call again, I tell XXXX that i don't know what she's talking about and if she had looked before telling this, because no such deposits exists. And why are they going in my personal account? And why are they going into my other accounts when this is specifically from my business account. She apologized and stated they just sent out a notification and to check my inbox on the Bank of America website and Bank of America will be returning the funds back to my XXXX Account within XXXX business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I 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
Consumer complaint received 2025-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
XX/XX/XXXX Mediation extended during assumption loan process Old Servicer admitted to processing assumption Assumed it would be a streamline process XX/XX/XXXX Mediation Servicer claims to start an assumption process for the second time during the life of the loan after deceased father ( XX/XX/XXXX ) Foreclosure halted XX/XX/XXXX Trial Payments offered due XX/XX/XXXX Payment made XX/XX/XXXX Servicer and Lender reported that there was no agreement reached after making a trial payment to Servicer ; this is not accurate XX/XX/XXXX Phone call from old servicer stating that they are no longer involved nor is my attorney Provided info for new Servicer No " Transfer Notice '' received No welcome package XX/XX/XXXX Contacted New Servicer and they denied receiving my Identification, death certificate or Personal Representative of the Estate letter New Servicer provided a bogus email Found a legitimate email from their online website XX/XX/XXXX ( dated XX/XX/XXXX ) Order filed in XXXX XXXX XXXX XXXX XXXX after XXXX asked me if I would drop the Mediation process now that I have been offered a trial payment during the assumption process Appears that they processed a modification restarting the clock Judge It is on this the XXXX day of XXXX, XXXX ORDERED that the secured party may schedule the foreclosure sale, subject to the right of the borrower to file a motion pursuant to Rule XXXX to stay the sale and dismiss the action. 

XX/XX/XXXX No Certificate of Service ; letter received in mail on this date XXXX no certificate of service, after calling all parties ( Servicer, lawyers representing plaintiff and defendant ) XX/XX/XXXX Loan transferred Foreclosure reacted XXXX XXXX denied that I was not named during the transfer process Only deceased Father is listed XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Contacted New Servicer by holding to get a representative ; when I typed in my Father 's last social ; phone directed to a voicemail XXXX o a name announced ; left numerous voicemails XXXX no return calls ; Denied communication because my name is not on the loan Asked for a Supervisor Supervisor claims that I have to be added as a " successor '' I explained that this was already established with the old Servicer A XXXX page marketing flyer addressed only to the Estate of XXXX XXXX XXXX with " new account '' XXXX o a phone number or welcome letter including extensive typos

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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.

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 2025-05-19 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I JUST CHECKED AXXXX XXXX XXXX AND FACTUAL DATE THE XXXX XXXX XXXX ACCOUNT IS STILL SHOWING ON MY CREDIT REPORT. 5 IDENTITY THEFT FORMS HAVE BEEN PROVIDED TO EQUIFAX INCLUDING ONE FROM THE FEDERAL TRADE COMMISION ON XX/XX/year>, THAT THE FEDERAL TRADE COMMISSION SENT TO EQUIFAX THEMSELVES. 

EQUIFAX NEEDS TO REMOVE THIS XXXX XXXX XXXX ACCOUNT ASAP. IT HAS BEEN SINCE XX/XX/year> AND I KEEP GETTING DIFFERENT EXCUSES AND THE RUN AROUND. THEY ARE NOT FOLLOWING THE FEDERAL LAW OF THE FEDERAL TRADE COMMISION TO BLOCK THIS ACCOUNT OFF OF MY CREDIT REPORT. 

PLEASE MOVE FOWARD WITH LAWSUIT I WILL BE CALLING THE FTC AGAIN WITH AN ATTORNEY TO SUE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GREENSKY OPERATIONS, LLC
State: CA

Complaint narrative:
I went to get a treatment to laser away but I never get a the treatment. Because after week covid closed everything and laser away still charge me for something that I never get.

Company response to consumer: Closed with non-monetary relief