vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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: Fay Servicing, LLC
State: OH

Complaint narrative:
My mortgage was sold to Fay Servicing while I was working with another mortgage company. Instantly my mortgage payment went from 4.2 % to 7.375 % almost tripling my monthly payment. Fay Servicing also added a second Insurance to my mortgage, which I never was informed of and certainly, never agreed too. dealing with this company has been a major, horrifying ordeal. My home is now in foreclosure related to these issues. I have called, sent emails and never get a satisfactory explanation of any of my questions or concerns. My first mortgage was in the amount of {$850.00} plus escrow. My loan was {$170000.00}. Now, with Fay Servicing my mortgage is {$2900.00} despite Fay Servicing paperwork that states my payment as of {$1300.00} and my loan has miraculously gone up to {$190000.00} despite having made all payments up until XXXX. When I discovered the fraudulent insurance payments, I demanded an accounting of all my payments and a refund related to the fraudulent payments to this so called insurance company, XXXX XXXX, that is directly in business with Fay Servicing. I never received any breakdown, refund or an explanation as to why I was paying premiums with XXXX different insurance companies. All I have received are foreclosures papers delivered to my door. I have also paid my mortgage by calling Fay Servicing and speaking to XXXX of their agents. I always have received a confirmation number each time. I found out the hard way that they would hold on to my payment for up to XXXX weeks and then declare that I " missed '' last months payment. I was never informed by Fay Servicing of any of this. This company uses extremely manipulative practices to ensure you will be overloaded with all types of extra fees that have only XXXX expected outcome for them... Foreclosure! I have never had more grief and stress related to any company that I have ever worked with. This is my first home, an FHA loan and this company has destroyed this for me with manipulative and fraudulent practices. I have asked multiple times for help and information related to my monthly mortgage and have been denied that right. This is not an isolated case, as I have unfortunately found out to late. Exactly what has been done to me has been done to so many other home owners. This company has had to pay XXXX XXXX XXXX, just last year, for exactly what they have been putting me through. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: LA

Complaint narrative:
XXXX reported a charge off on my account after we spoke and agreed to a debt solution program. This was not what we discussed or was told to me that my account would now be a charge off. Reporting to the credit bureau wrong and incorrectly. Please delete immediately

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 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
My paycheck ive received for the past 3.5 years was flagged and the funds not released and ive incurred all sorts of overdraft charges and Citizens is not doing anything about it. Its the same amount every week, same company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: FL

Complaint narrative:
I filed a complaint around XX/XX/XXXX I believe for a date on when square/block Incorporated. Were going to pay me my held amount for the funds that they held and its been almost 30 days after the date that they told me my funds would be released and I still yet to have my funds released.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: OH

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$330.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4700.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 explanation
Consumer complaint received 2025-08-01 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: NJ

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-08-01 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: FC HoldCo LLC
State: AZ

Complaint narrative:
Some one used my personal information to obtain a loan from XXXX XXXX back in 2019. I have disputed this with the company with no relief. I want this account thats due to fraud removed from my credit report. And for them to stop violating my fair credit reporting act rights.I have filed all the proper police reports, disputes and complaints with the XXXX, FTC XXXX XXXX  and CRAs.

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 2025-08-01 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: OK

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$110.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 TX XXXX ACCOUNTS XXXX XXXX  - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: NY

Complaint narrative:
I am writing to formally request a reconsideration regarding the denial of the {$900.00} business checking bonus tied to promotion code XXXX. I opened a U.S. Bank XXXX XXXX account on XX/XX/year>, and understood that the offer required a minimum deposit of {$25000.00} within 30 days of account opening to qualify. 

I attempted to fulfill this requirement within the required timeframe. Specifically : XXXX. On XX/XX/year>, I initiated a transfer of {$22000.00} from my XXXX XXXX  savings account to my new U.S. Bank business checking account, after a nearly two-week process to link the accounts. 

XXXX. Unfortunately, this transfer was erroneously rejected by U.S. Bank, resulting in a temporary freeze of my U.S. Bank account on XXXX Banks end. 

XXXX. The funds were withdrawn from XXXX XXXX  but not posted to U.S. Bank, and were only returned to XXXX XXXX  on XX/XX/XXXX, XXXX delay of nearly 10 days caused solely by U.S. Banks error. 

Because of this delay, I was unable to complete the full {$25000.00} deposit within the XXXX window. With {$22000.00} tied up due to this processing issue, I did not have sufficient funds elsewhere to complete another transfer in time. 

Once the funds were returned, I immediately deposited the remaining funds, bringing the total deposit to {$25000.00} by XX/XX/year>. Despite my good-faith efforts, I was informed that the bonus would not be honored due to the timing. 

I believe this decision is unfair. The only reason the deposit deadline was missed was due to an internal error at U.S. Bank, which held up my initial transfer for more than a week. I have attached documentation from XXXX XXXX  confirming that the delay was due to an issue on U.S. Banks end. 

I have already filed a formal complaint with the Better Business Bureau ( Complaint ID : XXXX ), which remains unresolved. However, I would much prefer to resolve this directly with U.S. Bank rather than pursue legal action through New York XXXX XXXX XXXX. 

Given the circumstances, I respectfully request that U.S. Bank reconsider its position and honor the {$900.00} promotion bonus as originally promised. 

Thank you for your time and understanding. I look forward to your response.

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 2025-08-01 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: MD

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX and since my XXXX  I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: MD

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX and since my XXXX  I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

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 2025-08-01 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: NJ

Complaint narrative:
i am submitting this report to the ftc because i have been a victim of identity theft. one or more sccpounts have oppeared on my credit report that i do not recognize, did not authorize, and did not open.these accounts are negatively affecting my financial reputing, economic security, and my rights under the fair credit reporting act ( FCRA ). i request that this report be registered as part of a fraud investigation and that an official identity theft report be issued .i am also taking additional protective measured such as credit freezing and formal disputes.

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 2025-08-01 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable.

Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
This letter serves as a formal follow-up to my initial dispute ( COMPLAINT # XXXX ) regarding inaccurate information being reported on my consumer credit report by Equifax, XXXX XXXX XXXX for the following accounts : XXXX ( 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. I am now invoking my rights under FCRA 611 ( 15 U.S.C. 1681i ), which mandates that consumer reporting agencies reinvestigate disputed information and provide a detailed description of the procedure used to determine the accuracy and completeness of the disputed items. Since your previous response returned the accounts as verified, I am now requesting the specific method of verification used to reach that conclusion, including the name and contact information of the furnisher, and the original source of the data used to verify the accuracy of the delinquency status reported. If you are unable to provide this information, or if the furnisher can not produce documented evidence bearing my original wet signature authorizing the reporting of such information, then per the FCRA, all contested items in my original dispute must be permanently deleted from the credit report you maintain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I was recently sued by Portfolio Recovery Associates , LLC for a debt they alleged I owed. The case was filed in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The final hearing occurred on XX/XX/year>, and the case was dismissed by the court, as shown in the attached court records. 

Despite this court dismissal, Portfolio Recovery Associates has continued to report the debt as active and delinquent on my credit report. This is inaccurate and misleading. I have contacted the credit reporting agencies and the company directly to request removal of the debt from my report, but no corrective action has been taken. 

This reporting is negatively impacting my credit score and financial standing. As the court found no valid claim and dismissed the case, I am requesting that the debt be removed from all credit reporting agencies.

Timeline of Events : XX/XX/year> : Portfolio Recovery Associates ' attorney appeared in court. 

XX/XX/year> : A hearing was held. 

XX/XX/year> : Final trial was held and the case was officially dismissed by the court. 

Post-trial : I noticed the debt is still showing on my credit reports and have since attempted to dispute this with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: NY

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-08-01 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: OK

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$110.00} INQUIRIES : 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 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 2025-08-01 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting 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