vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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 report has unauthorized accounts resulting from a data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$410.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$700.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$700.00} XXXX CRED - Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00}

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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I filed XXXX XXXX bankruptcy temporarily in order to recover my vehicle after a repossession. Once I regained the title, I voluntarily abandoned the process. The bankruptcy was dismissed and no debts were discharged. It serves no purpose remaining on my file, and the credit bureau has not provided any legal verification beyond frozen third-party data sources.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the 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 consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: LA

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 2025-05-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Essential Lending Inc
State: TX

Complaint narrative:
I took out a loan with Wiseloan for {$400.00} in XXXX of 2022 because I needed to cover a hefty electric bill that was due before I got paid from work. I was told if I paid the full amount of {$400.00} back before the interest start date, I could pay the amount without interest and complete the loan repayment without any additional costs. I called them back 2 weeks after receiving the loan to repay the {$400.00} without interest and they told me on the phone I owed an amount much larger than the original borrowed amount. It was over {$500.00}. I told them this was ridiculous, explained what was stated in the previous call about repaying before interest. The person on the phone told me the interest already accrued and I'd have to pay the larger amount they had already told me. I was so mad I hung up on them. I later called back and requested to speak to a higher up to complain and further discuss this issue and see what my options were. I never could get through transfer without being disconnected. I did not repay the original {$400.00} and received a notice stating I now owed them the original {$400.00} plus 6 months interest for the entire loan amounting to {$1000.00}. I ignored the notice and decided I would later contact them to negotiate the debt in collections for payoff for a lower amount. I did not received anything else from them, I was later unable to log into my account, so I figured they would later send something in the mail. It is now 3 years later and suddenly a collection account in the amount of {$1200.00} is showing up on my credit report from XXXX XXXX, from the original creditor Wiseloan. This is ridiculous. They did not work with me, did not give me any options, and just tacked on {$600.00} worth of insane interest and never contacted me again before selling this debt to some other company that may or may not have added the extra {$230.00} in interest onto the original loan and debt. This is a shady company that has not only not kept up their promises and original signed contract with me, but they also waited years to ruin my credit out of nowhere over owing them less than {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Mortgage — Conventional home 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: Shellpoint Partners, LLC
State: NC

Complaint narrative:
Urgent Complaint Shellpoint Mortgage Mishandling of Hardship Assistance Request To Whom It May Concern, I am submitting this urgent complaint regarding the conduct of Shellpoint Mortgage Servicing in connection with my ongoing efforts to obtain assistance through their Loss Mitigation department. 

Despite submitting a complete hardship assistance requestincluding a hardship letter, budget worksheet, income details, and a request for reconsideration and escalationI received a response that : Ignored my most recent and complete submission Provided an inadequate explanation ( loan-to-value under XXXX XXXX ) that does not reflect regulatory standards for evaluating hardship-based modification options Offered only an unaffordable repayment plan, despite documentation that I can not meet the terms Failed to offer any alternative options ( e.g., forbearance, deferral, modification with adjusted terms ) Has left me at risk of foreclosure with a deadline of XX/XX/year>, without confirming whether my appeal is under review I have made every effort to communicate transparently and submit the documentation Shellpoint requested. Their representative responded only to a prior message and has not acknowledged the complete materials I sent or the formal request for supervisory escalation. 

I would be grateful for any support you can provide in ensuring that my familys home is not lost due to miscommunication or mishandling of my 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 2025-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After reviewing my recent credit report, I was shocked to discover several accounts that I did not open or authorize. These unauthorized accounts are clear evidence of identity theft and are causing serious complications, particularly as I am in the process of purchasing a new vehicle for my family. I urgently request that these fraudulent accounts be removed from my credit report immediately to prevent further damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: IN

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2025-05-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am filing a complaint regarding my private student loans currently serviced by XXXX, originally issued through XXXX XXXX and later managed by Navient. The frequent changes in loan servicers ( XXXX XXXX, Navient, XXXX  ) have caused serious disruption to my repayment plans, leading to confusion, missed communications, and falling behind through no fault of my own. 

I am currently unemployed and have experienced multiple financial emergencies, including my XXXX  's unexpected XXXX. My rent was just increased by {$60.00} ( from {$990.00} to {$1000.00} ), and I live with and help financially support my XXXX. I have no other assets to my name. 

I recently contacted XXXX  on XX/XX/year>, to request a temporary reduction in my $ XXXX payment and offered to pay {$40.00} based on my current situation. My offer was denied, with no explanation as to why, and I was told that if I'm unable to make monthly payments of $ XXXX that my loan will default immediately. The representative I spoke with ( XXXX, as I recall ) was not helpful, did not offer any alternatives, and made it clear that I had no options -- -- even though I was on a $ XXXX plan previously. 

These constant disruptions in service ( each transition between XXXX XXXX, XXXX, and XXXX  ) have invalidated prior agreements and created barriers to consistent repayment. Every time the servicer changes, I must start from scratch, which is not sustainable. 

Additionally, XXXX  has reported negatively to the credit bureaus numerous times, once for each individual loan, severely damaging my credit. This has caused me significant emotional distress, anxiety, and financial harm, especially during a time when I am vulnerable and trying to get back on my feet. 

I am not asking for forgiveness just a fair chance to avoid default. I am seeking help in getting XXXX  to offer a realistic temporary payment arrangement based on my current hardship until I can resume larger payments. 

I have submitted a detailed hardship letter to XXXX  directly, but I feel forced to escalate this issue due to the lack of compassion, options, and flexibility. I've received a letter from them stating to contact them before the XXXX of XXXX so that they can provide me with solutions and lower payments however, their representative told me there was no other options for me. 

I am requesting the CFPB 's help to ensure that XXXX  complies with fair servicing practices and considers my reasonable hardship request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: NY

Complaint narrative:
The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name isXXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXX, New York XXXX Previous Address : The following previous addresses are wrong : Incorrect Address - XXXX XXXX XXXX,, XXXX,, NY,, XXXX - The following personal information is incorrect- This employer information does not belong to me.Incorrect Address - XXXX XXXX XXXX, XXXX, NY, XXXX - The following personal information is incorrect- This employer information does not belong to me.Incorrect Address - XXXX XXXXXXXX XXXX, XXXX, NY, XXXX - The following personal information is incorrect- This employer information does not belong to me.EMPLOYER - XXXX XXXX XXXX - The following personal information is incorrect- This employer information does not belong to me. 


Please update my credit file to reflect the proper spelling and data as I have indicated above. Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else because of these errors that you are reporting Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: NY

Complaint narrative:
The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name isXXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXX, New York XXXX Previous Address : The following previous addresses are wrong : Incorrect Address - XXXX XXXX XXXX,, XXXX,, NY,, XXXX - The following personal information is incorrect- This employer information does not belong to me.Incorrect Address - XXXX XXXX XXXX, XXXX, NY, XXXX - The following personal information is incorrect- This employer information does not belong to me.Incorrect Address - XXXX XXXXXXXX XXXX, XXXX, NY, XXXX - The following personal information is incorrect- This employer information does not belong to me.EMPLOYER - XXXX XXXX XXXX - The following personal information is incorrect- This employer information does not belong to me. 


Please update my credit file to reflect the proper spelling and data as I have indicated above. Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else because of these errors that you are reporting Thank you, 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 non-monetary relief
Consumer complaint received 2025-05-30 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: NC

Complaint narrative:
Personal Information ( Equifax ) Former : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX Equifaxs repeated failure to address my disputes with care and thoroughness is now more than just negligenceit has become a pattern, one that echoes the same serious concerns the Consumer Financial Protection Bureau has already investigated. I will not allow my credit file to remain stained by errors that Equifax has failed to verify or remove, especially when that failure comes at a direct cost to my well-being and future. You have an obligation to treat consumer disputes seriously, and yet it feels as though my concerns have been dismissed entirely. 

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within XXXX  days, and to delete any information that can not be fully and independently verified. That means verifiable proofnot assumptions, not recycled data from unreliable sources. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be incomplete, inaccurate, or unverifiable must be corrected or removed entirely. I am demanding immediate corrective action, not another automated response. If you fail to do your job now, I will escalate this matter through every available channel. You are not just mishandling datayou are mishandling lives.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( CHANGE TO NAME OF BANK ACCOUNT ). 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 non-monetary relief
Consumer complaint received 2025-05-30 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: 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 on my ( CHANGE TO NAME OF BANK ACCOUNT ). 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 2025-05-30 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief