vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding the handling of my student loans by XXXX, which resulted in a negative impact on my credit report due to circumstances outside of my control. 

My student loans were in an approved deferment status. However, the loans were removed from deferment without any proper notification. The loan servicer did not have my correct phone number or email address on file, and I did not receive any paper correspondence regarding the change in deferment status. As a result, I was unaware that my loans had become active again, which led to missed payments being reported to the credit bureaus and a significant drop in my credit score. 

I believe this situation reflects a failure by the loan servicer to maintain accurate contact information and to communicate critical changes to my loan status through available channels. I was denied the opportunity to take appropriate action due to this lack of communication, and I am now unfairly burdened with negative credit reporting. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter. I also ask that the loan servicer be required to : Provide an explanation for why no effort was made to confirm or update my contact information ; XXXX what notifications, if any, were attempted ; Rectify the negative credit reporting resulting from this communication failure. 

I appreciate your assistance in helping resolve this issue. 

Sincerely, XXXX 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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding the handling of my student loans by XXXX, which resulted in a negative impact on my credit report due to circumstances outside of my control. 

My student loans were in an approved deferment status. However, the loans were removed from deferment without any proper notification. The loan servicer did not have my correct phone number or email address on file, and I did not receive any paper correspondence regarding the change in deferment status. As a result, I was unaware that my loans had become active again, which led to missed payments being reported to the credit bureaus and a significant drop in my credit score. 

I believe this situation reflects a failure by the loan servicer to maintain accurate contact information and to communicate critical changes to my loan status through available channels. I was denied the opportunity to take appropriate action due to this lack of communication, and I am now unfairly burdened with negative credit reporting. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter. I also ask that the loan servicer be required to : Provide an explanation for why no effort was made to confirm or update my contact information ; XXXX what notifications, if any, were attempted ; Rectify the negative credit reporting resulting from this communication failure. 

I appreciate your assistance in helping resolve this issue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank refused to reset my password and allow me to transfer my funds. My account is locked due to fraud and I have no way to access my money

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 2025-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I was left a voicemail today around XXXX to settle with them. And before that I was emailed by them threatening to take legal action if I did not pay them. I never gave them any of my points of contact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The inquiry was not authorized XXXX  Date of inquiry : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

3. Validate Account MIDLAND CREDIT MANAGEM Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

4. Validate Account XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 


In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and eliminate these items from my credit report. It is my understanding that you will conduct a thorough investigation with the creditor responsible for reporting these items. Kindly remove any information that can not be verified by the creditor. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter.

Please provide an updated copy of my credit report to the address mentioned above. As stipulated by the act, there should be no charge for this updated report. Additionally, I kindly request that you send correction notices to anyone who has received my credit report in the past six months. 

Thank you for your time and assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA

Complaint narrative:
I called Pennymac to have my PMI deleted since we were below 80 % of the value on what we owed. I was informed that the PMI was based on the original loan amount and not the appraised value. However, they informed me that new rules allows for deletion based off of assessed value but I had to pay them {$190.00} to come appraise it. I told them that I just had an appraisal a week prior for a home equity loan and it included pictures of the interior and exterior that my credit union required. I was told by a Pennymac supervisor on a recorded call that I could submit this since it was so recent and it would be forwarded to XXXX XXXX to review for PMI deletion. Keep in mind this appraisal was about {$15000.00} below market value and still well-within the below 80 % owing. I received a response the next day that said my appraisal was rejected and Id have to pay the appraisal fee or pay over {$3000.00} to delete my PMI. The appraisal was never submitted to Fannie Mae as promised. It was rejected by Pennymac. Coincidentally, I received an offer letter today from Pennymac stating that they wanted to help me tap into my equity along with the statement With US home values high, now is a good time to cash in on the equity from your XXXX ; XXXX XXXX home. This is a clear acknowledgement that home values are higher and with our house being new construction in 2021, we are no exception. I believe this is a clear indicator of predatory lending as well as an effort to steer us towards their products and in turn, more revenue. I had been receiving numerous emails, texts, mailers and calls, multiple times a day that I also had to ask them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: MO

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

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 2025-05-22 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-22 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:
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 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 2025-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I set up an automatic payment with my Best Buy consumer credit card and was authorized to make monthly payments of {$100.00} only, The organization proceeded to withdraw larger amounts ranging from XXXX to {$510.00} in over 5 different instances. I then tried to ask for an explanation and a refund on the amount, and on why they could withdraw more, and they refused to explain and then hung up on me. I then proceeded to reach out to my bank, which charged me a {$30.00} fee to put a stop payment on any transaction from 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 monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Unifin Inc.
State: FL

Complaint narrative:
Unifin debt collection had been calling me and I didn't answer at first because I thought it was spam. After they kept calling, I did research and found out it was legit so I called them and asked to receive verification that the debt was mine. After this call, I never received any information, only more calls. So then, I wrote out a letter from myself requesting a debt verification letter on XX/XX/year> along with a message requesting they confirm they received the notice. They responded with an email requesting I provide them some identification information with the end of their email saying, This is an attempt to collect a debt. Any information obtained will be used for that purpose. This communication is from a debt collector. I decided not to respond since my original letter states, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. In addition to their email explicitly stating they will use information given after my request for verification and to cease and desist, for the purpose of attempting to collect a debt, they have also attempted to text me again today ( XX/XX/year> ) at XXXXXXXX XXXX If I'm correct, their actions after receiving my debt verification request letter violates my rights provided within the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Lockhart, Morris & Montgomery Inc.
State: OH

Complaint narrative:
Disputed XXXX  report of collections initiated via XXXX XXXX XXXX XXXX - sold to XXXX XXXX  XXXX reported via XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. PHONE ( XXXX ) XXXX in the amount of {$1000.00} - Clearly medical in nature and violates " Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information ''. This rule, which is a part of Regulation V, implements the Fair Credit Reporting Act ( FCRA ). 

Disputed noted XX/XX/year> " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' and issued a second negative occurrence as apparent punishment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an XXXX XXXX According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete.

I have identified accounts and inquiries listed on my credit report that I did not authorize or provide written consent for. This is a total breach of privacy and trust when it comes to consumer reporting. 
Accounts 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 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Today XX/XX/year> I went to my truist bank branch in person, at XXXX EST, I told the teller I was coming in becuase I could not deposit my check through mobile banking because it was over XXXX. I gave the girl my license and said I knew my account number if she needed it, I also gave her my check which totaled XXXX she confirmed my identity and deposited the check, handed me a receipt and said it tells you at the bottom when your money will be available, I never even looked becuase I assumed it would be the usual 2 - 3 days like any other bank. A little while later my husband says did you see this says the check is being held for 2 weeks, I literally almost had a XXXX XXXX. I immediately called the customer service line to which I reached a woman i dont know her name becuase I couldn't understand her, when I asked if anything could be done about the 2 week hold I was placed on hold and pretty sure just left there I wound up hanging up. I called the individual branch in XXXX NJ and was made to leave a message becuase no one answers the phone. So I went to my mobile banking app and started a chat, to which the only response I recieved was the bank has a right to hold any deposit, I said right I understand that, I said but for 2 weeks, and the only response I recieved to that was there are different circumstances as to why the check would be held. I said ok if nothing can be done about the 2 week hold can I go back and get my check and cancel the deposit? I was told no.. I was never made aware before depositing the check it would be thst long, I was expecting the usual 2-3 days i can not wait 2 weeks for this money that is absolute insanity.

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 2025-05-22 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: TN

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit 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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: CA

Complaint narrative:
I was affected by a recent data breach, and unauthorized accounts have shown up on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : {$170.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$1600.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$270.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$14000.00} Inquiries XXXX XXXX Date : XXXX XXXX  Date : XXXXXXXX XXXX Date : XXXX XXXX  Date : XXXXXXXX XXXX Date : 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 non-monetary relief