vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

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 an account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

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The personal information on my credit report were outdated.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 2025-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
I received an end of year escrow analysis. I paid it. The company didnt apply it as an escrow overage and applied only one of the payments to the principal, not the escrow. On their app your payment options are marked and you click the box. I dont have to type any numbers in, thats the escrow overage. My bank statement and bank absolutely confirm the XXXX was paid on XX/XX/XXXX in addition to the XXXX XXXX XXXXXX/XX/XXXX. Its been an absolute NIGHTMARE. I have been trying to get this fixed since last Friday and have spent 6 days now, emailing my bank statements reflecting the charges, their confirmation numbers for my payment etc and have not received any response. I am just being lied to on every single phone call. I had one rep, on Friday, XXXX XXXX the only person who seems to know me hates actually happening ) who saw both my payments and said that she would put a research in, get it all fixed, and it should be done by XX/XX/XXXX. Its now XX/XX/XXXX and I have spent 3 hours on the phone with people who are just lying to me and when I ask to speak to a supervisor they just leave me on hold for upwards of 1 hour. I AM STILL SHOWING I OWE AN ESCROW OVERAGE FOR THE AMMOUNT THEY JUST APPLIED TO THE PRINCIPAL. I have to find another mortgage servicer because this isnt not the first time this has happened. They are so incompetent and this is not the business to be in with that trait.

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 2025-04-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
We had an emergency and needed funds asap. 
I had done payday loans in the past. XXXX XXXX XXXX stopped providing those loans in Texas and offered installment loans instead. I called them after I was approved for XXXX to confirm that I could mitigate my liability with additional payments to principle. I was told that " Yes '', it will lower total amount due as well as payments. So I signed the documents. I was to pay XXXX for 6 months - which is a total rip off, but knowing I could reduce the loan and payment amounts- I agreed. I made a XXXX payment 2 weeks before my first payment was due and noticed that it did not go to principle. It only reduced my first payment. I called the next day and was told to apply extra payments to principle ; I need to call on the day my payment is due- it's the only day they can post to principle. They confirmed that it will reduce the loan as well as the payment amounts. It reduced my next payment XXXX XXXX XXXX and I assumed all the following payments. Today, I called in to post another additional payment to principle ( as today is the due date of XX/XX/year> ) but saw that my next payment ( for XXXX ) was the original amount of XXXX. I was told by a supervisor this morning - that payments are reduced and sometimes removed at the end of the loan. He promised to send me an amortization schedule as proof. I never received it. I called again and was told by the rep that I still owe the full amount for the balance of the loan. Basically, I was lied to, mislead - it was all a total farce. They plan to charge me the full amount no matter how many additional principal payments. I doubt they applied anything to the principle at all. I informed them that I would be reporting them to CFPB as they have mislead me and tricked me on this installment loan. They did not seem concerned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I keep being denied when I apply for a rental property and its always my TransUnion score that causes the denial. Whichever factors that are causing the denial arent being made clear to me, thus causing my scores to drop significantly lower than they already were.

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 2025-04-30 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: GA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: TN

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to 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 explanation
Consumer complaint received 2025-04-30 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: TN

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: NY

Complaint narrative:
I seek your assistance in investigating accounts that have been wrongly reported with late payments. I carefully reviewed my credit report and found some accounts showing incorrect late payment entries. These accounts should not have any late payment remarks. Kindly remove the late notations and update the accounts as paid and positive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-04-30 00:00:00
Product: Mortgage — VA 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: M&T BANK CORPORATION
State: MI

Complaint narrative:
This is an additional complaint subsequent to COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> I submitted a complete mortgage assistance application to M & T Bank and was offered a non-VASP modification. After making a qualifying payment on XX/XX/year>, I formally requested reconsideration based on a material change in circumstances. I submitted a RESPA Notice of Error, invoked military hardship and SCRA protections, and emphasized the urgency due to the closing of the VA Servicing Purchase ( VASP ) program on XX/XX/year>. 

M & T acknowledged escalation, requested updated financials, and informed me the prior modification was being set aside for review. However, despite my repeated requests and their verbal confirmation of review, M & T failed to submit documents to the VA before the VASP program closed ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have now lost access to a critical home retention option due to the servicers failure to act.

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 2025-04-30 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:
In XXXX, my personal data was compromised during the Equifax data breach. Since then, fraudulent accounts, unauthorized hard inquiries, and incorrect personal information have repeatedly appeared on my credit reports across Equifax, Experian, and TransUnion. 

I have taken all proper steps to resolve this : Filed a full identity theft report via IdentityTheft.gov ( XXXX XXXX XXXX XXXX  ) Submitted written disputes with supporting documentation Filed prior complaints with the CFPB Had items previously removed, only for them to be reinserted without required advance notice, violating FCRA 605B ( c ) Despite this, the bureaus continue to report inaccurate and fraudulent data. I have already verified my identity and submitted all required documentation. I do not consent to further reinvestigation or reinsertion. I am demanding that : All disputed and fraudulent information be permanently removed within 3 business days There be no reinsertion of any removed item, in accordance with federal law All affected credit reports be corrected and reissued This ongoing mishandling has resulted in denials, credit damage, and financial harm. I am asking the CFPB to enforce my rights under FCRA 605B and 611, and hold the bureaus accountable for noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: TX

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 2025-04-30 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:
b'I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 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 THEFTXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-30 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: GA

Complaint narrative:
Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 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. 

XXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$400.00} XXXXXXXX XXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$2200.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$690.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-04-30 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: GA

Complaint narrative:
This is in reference to my previous complaint number : XXXX. I am submitting this supplemental complaint because Equifax Information Services LLC failed to address the specific legal violations I previously raised under the Fair Credit Reporting Act ( FCRA ) in relation to reporting by XXXX XXXX XXXX ( Account ending in * XXXX ). Despite my detailed submission, Equifax 's response was generic, legally insufficient, and failed to comply with FCRA standards. 

Violations Ignored or Improperly Addressed : Failure to Address 1681s-2 ( a ) ( 7 ) Violation Notice of Negative Reporting I explicitly stated that XXXX never provided the legally required separate written notice before or within XXXX days after first reporting negative information on XX/XX/XXXX. 
Equifax failed to confirm whether this notice was ever sent or requested any evidence of such notice from the furnisher. 
This omission violates FCRA 1681s-2 ( a ) ( 7 ) and renders the reporting unlawful. 
No Response to Reinsertion Violation ( 1681i ( a ) ( 5 ) ( B ) ) If this account was previously removed and then reinserted, Equifax was required to send me written notice within five business days with specific furnisher details. 
Equifax failed to acknowledge or disprove this allegation and provided no evidence that such a notice was ever issued. 
No Address of Re-Aging Concern ( 1681c ( a ) ( 4 ) ) The account was allegedly opened in XX/XX/XXXX but only appeared on my credit report in XX/XX/XXXX a four-year gap. 
Equifax failed to explain this delayed reporting or confirm the actual Date of First Delinquency, as required under 1681c and 1681e ( b ). 
Lack of Meaningful Investigation ( 1681i ( a ) ) XXXX response merely states that Equifax verified that this item belongs to you and modified certain fields, which does not constitute a proper reinvestigation. 
The response does not address the actual legal violations or provide any evidence supporting continued reporting. 
Failure to Provide Documentation Equifax has not provided any documentary evidence showing : That the furnisher sent timely negative notice ; That reinsertion notice was given ; That the report complies with accuracy and aging standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report. 


XXXX. The following account is not mine XXXXXXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. The following account is not mine XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX Account Number : XXXX * * * * * * * * * * * Please correct/update this inaccurate information on my credit report. 

XXXX. The following account is not mine XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report. 


In accordance with the Fair Credit Reporting Act, I hereby request that you conduct an investigation to verify these items and remove them from my credit report. It is my understanding that you are obligated to contact the creditor responsible for reporting this information. I kindly ask you to eliminate any details that the creditor can not verify. As per 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days of receiving this correspondence.

Please send a revised copy of my credit report to the aforementioned address. According to the act, there should be no fee associated with obtaining this updated report. Additionally, I request that you notify all individuals who have received a copy of my credit report within the past six months regarding any corrections made.

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