vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
THIS IS NOT A DUPLICATE ISSUE AND HAS NOT BEEN ADDRESS Citizens Bank sent me a written notice confirming : 3 months of suspended payments Despite the approved forbearance stated as XX/XX/XXXX through XX/XX/XXXX, Citizens sent me a Default/Delinquency Notice ( dated XX/XX/XXXX ) and a intent to foreclose XX/XX/XXXX! This notice claims : My loan is in delinquency for at least 33 days The loan is in default even when im forebearance. That I must immediately pay {$4200.00} This amount improperly includes payments for XXXX, XXXX, and XXXX months that Citizens previously confirmed were suspended This is a direct violation of /RESPA Regulation X ( 12 CFR 1024.41 ( g ) ) prohibits default notices and collection activity during forbearance Maryland Mortgage Fraud Protection Act Maryland Consumer Protection Act Maryland Collection Practices Act Federal dual-tracking prohibitions Foreclosure activity is prohibited during unresolved loss-mitigation or forbearance periods This constitutes an escalated dual-tracking violation Providing a foreclosure notice during suspended months is illegal under state and federal laws and creates significant consumer harm. Misrepresentation by Citizens Bank Servicing Staff When I contacted Citizens Bank for clarification, a servicing representative falsely claimed : > We are legally required to send delinquency notices even during forbearance. This statement is incorrect and misleading. Federal law explicitly prohibits servicers from treating suspended months as delinquent or pursuing collection or foreclosure activity during an active forbearance period. This misrepresentation further supports a pattern of unfair, deceptive, and abusive practices. Summary of Violations Citizens Bank has violated : Federal Law RESPA Regulation X ( 12 CFR 1024.41 ) Prohibition on dual-tracking Prohibition on collection/foreclosure during forbearance Maryland State Law Maryland Consumer Protection Act Maryland Mortgage Fraud Protection Act Maryland Collection Practices Act Maryland Foreclosure Procedures Act Additional Concerns Misapplication of forbearance terms Contradictory and misleading communications False statements by servicing personnel Emotional and financial distress caused by improper foreclosure threats I have also resorted to reaching out to Office of Financial Regulation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with fair credit reporting act this creditor has violated my rights under 15 U S C 1681 section 602. States I have the right to privacy 15 USC 1681 section 604 section 2 it states a consumer reporting agency can not furnish an account without my written Instructions. Under 15 USC 1666B creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2025-12-15 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
Reached out in XXXX and advised needed someone to reach out in regards to payments. Got no response from XXXX. Sent a payment XX/XX/XXXX and it was NEVER credited, my car was repossessed without notice on XX/XX/XXXX. They state they generated a letter, but again it was NEVER mailed. No contact from company at all about what was going on. This is illegal practice, and something they have been known to do. My bank account shows the {$1000.00} payment made to XXXX  XXXX and as of XX/XX/XXXX no payment was ever credited to account. No response was provided, and had NO access to my account since XXXX of XXXX, asked to get access with NO response. This company has been sued in past for these tactics and I have consulted with a lawyer. If the company does not accept payments and reinstate loan, due to unfair process of reposessing a vehicle. No contact no attempts and no statements mailed for months. They take no ownership of wrong doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: TX

Complaint narrative:
The purpose of this complaint is to address inaccurate and unverified information reported on my credit report by various credit bureaus. Despite previous disputes, the information remains incorrect and negatively impacts my credit profile. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 1681e ( b ), 1681i, and 1681s-2, credit reporting agencies and furnishers are required to ensure the accuracy and integrity of the information they report. However, there has been a failure to uphold these obligations, resulting in significant harm to my creditworthiness. 
The presence of incorrect data, such as duplicate derogatory accounts and unverifiable debts, has led to loan denials, higher interest rates, and undue stress. I seek rectification of these issues to restore my financial standing. 
Disputed Accounts XXXX XXXX Account # : XXXX ( TransUnion, Experian, Equifax ) Issue : Duplicate derogatories and unverifiable debt. 
Violation ( s ) : FCRA 1681e ( b ), 1681i - Failure to ensure maximum possible accuracy and failure to reinvestigate disputed information. 
XXXX Account # : XXXX ( TransUnion, Experian, Equifax ) Issue : Duplicate derogatories and incorrect status reporting. 
Violation ( s ) : FCRA 1681e ( b ), 1681i - Failure to ensure maximum possible accuracy and failure to reinvestigate disputed information. 
Hard Inquiry Disputes XXXXXXXX XXXXXXXX Date of inquiry : XXXX Bureau ( s ) reporting it : Experian Issue : Unauthorized inquiry. 
Legal Reference : FCRA 604 - Permissible purposes of consumer reports. 
XXXX  # XXXX Date of inquiry : XXXX XXXX ( s ) reporting it : Equifax Issue : Unauthorized inquiry.

Legal Reference : FCRA 604 - Permissible purposes of consumer reports. 
XXXXXXXX XXXX XXXX Date of inquiry : XXXX Bureau ( s ) reporting it : Experian Issue : Unauthorized inquiry. 
Legal Reference : FCRA 604 - Permissible purposes of consumer reports. 
Personal Info Discrepancies Incorrect names, DOBs, addresses. 
Correct version : XXXXXXXX XXXX XXXXXXXX, XXXX : XXXX, Address : XXXX XXXX XXXX, XXXX, TX, XXXX. 
Cite FCRA 1681e ( b ) for inaccurate personal info reporting.

Legal Basis FCR

A 1681i, 1681s-2, 1681e ( b ).

Metro 2 guidelines - Industry standard for data formatting.

Consumer Harm The errors on my credit report have resulted in loan denials, higher interest rates on approved loans, and have caused significant financial stress. This has also impacted my ability to secure housing and employment opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: VA

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE.

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA.

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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 2025-12-15 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:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: TX

Complaint narrative:
I am disputing the following information currently reported by Equifax. The items listed below contain inaccuracies, conflicting balances, and incomplete reporting that violate the FCRAs accuracy and verification requirements. 

CHARGED-OFF / COLLECTION ACCOUNTS ( XXXX ) XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$980.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1200.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1200.00} XXXX  XXXX XXXX Opened XX/XX/XXXX Balance {$820.00} XXXX  XXXX XXXX Opened XX/XX/XXXX Balance {$1400.00} XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Balance {$21000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Balance {$0.00} XXXX  / XXXX XXXX Opened XX/XX/XXXX Balance {$360.00} XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1400.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$550.00} XXXX  XXXX XXXX Opened XX/XX/XXXX Balance {$1500.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$820.00} XXXX XXXX Opened XX/XX/XXXX Balance {$560.00} INQUIRIES ( EQ ) XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX PAYMENTS ( EQ ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: NC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the following charge-off accounts listed on my credit report : XXXX. * * XXXX XXXX ( Account # XXXX ) : XXXX XXXX This account was reported to the IRS and deemed a profit loss, classifying it as income by the creditor. I have requested a copy of the 1099-C form from the creditor, but they have failed to provide it. Despite this, the account continues to report monthly and inaccurately reflects an active debt. This is misleading and in violation of 15 U.S.C. 1681s-2 which prohibits the reporting of inaccurate information.

Please investigate and remove this account from my credit report immediately 2. * * XXXX XXXX ( Account # XXXX ) : XXXX XXXX  This account was reported to the IRS and deemed a profit loss, classifying it as income by the creditor. I have requested a copy of the 1099-C form from the creditor, but they have failed to provide it. Despite this, the account continues to report monthly and inaccurately reflects an active debt. This is misleading and in violation of 15 U.S.C. 1681s-2 which prohibits the reporting of inaccurate information. 

Please investigate and remove this account from my credit report immediately 3. * * XXXX XXXX  XXXX Account # XXXX ) : XXXX XXXX This account was reported to the IRS and deemed a profit loss, classifying it as income by the creditor. I have requested a copy of the 1099-C form from the creditor, but they have failed to provide it. Despite this, the account continues to report monthly and inaccurately reflects an active debt. This is misleading and in violation of 15 U.S.C. 1681s-2 which prohibits the reporting of inaccurate information.

Please investigate and remove this account from my credit report immediately Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the following charge-off accounts listed on my credit report : XXXX. * * XXXX XXXX ( Account # XXXX ) : XXXX XXXX This account was reported to the IRS and deemed a profit loss, classifying it as income by the creditor. I have requested a copy of the 1099-C form from the creditor, but they have failed to provide it. Despite this, the account continues to report monthly and inaccurately reflects an active debt. This is misleading and in violation of 15 U.S.C. 1681s-2 which prohibits the reporting of inaccurate information.

Please investigate and remove this account from my credit report immediately 2. * * XXXX XXXX ( Account # XXXX ) : XXXX XXXX  This account was reported to the IRS and deemed a profit loss, classifying it as income by the creditor. I have requested a copy of the 1099-C form from the creditor, but they have failed to provide it. Despite this, the account continues to report monthly and inaccurately reflects an active debt. This is misleading and in violation of 15 U.S.C. 1681s-2 which prohibits the reporting of inaccurate information. 

Please investigate and remove this account from my credit report immediately 3. * * XXXX XXXX  XXXX Account # XXXX ) : XXXX XXXX This account was reported to the IRS and deemed a profit loss, classifying it as income by the creditor. I have requested a copy of the 1099-C form from the creditor, but they have failed to provide it. Despite this, the account continues to report monthly and inaccurately reflects an active debt. This is misleading and in violation of 15 U.S.C. 1681s-2 which prohibits the reporting of inaccurate information.

Please investigate and remove this account from my credit report immediately Sincerely, 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 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
On XX/XX/year>, I transferred funds from my XXXXXXXX XXXX into Wise to pay a vendor I have paid monthly for XXXX months using the same XXXX and the same IRS XXXX documentation already on file. Wise marked the funds as cleared on XX/XX/XXXX and confirmed the scheduled vendor payment for XX/XX/XXXX. 

Instead, Wise froze the transfer and claimed they suddenly needed XXXX documentation to review my businesseven though Wise already acknowledged receiving this same XXXX XXXX letter and had used it to approve every prior transaction for the past XXXX months. I uploaded the XXXX document again on XX/XX/XXXX. 

Wise told me the review would take one business day. As of today ( XX/XX/XXXX ), the review is still not completed. Wise stopped communicating, refused escalation, and has not provided any explanation for why prior transactions were approved but this one was frozen. 

During this time, Wise has blocked all access to my own funds. They will not send the payment, will not release a refund, and will not return the funds to my originating bank. Wise also will not allow me to close the account unless I clean out the balance, which is impossible because Wise froze the account. 

This freeze has caused direct financial harm : my vendor was not paid, his credit and my credit with him were damaged, and my business operations were disrupted. Wises actions appear inconsistent, arbitrary, and harmful, especially after promising a one-day review and taking an eight-day float before freezing the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 non-monetary relief
Consumer complaint received 2025-12-15 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: MS

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts in Dispute XXXXXXXX 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 2025-12-15 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: AZ

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 explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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