vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
On XX/XX/year> at approximately XXXX XXXX, I attempted to XXXX {$35.00} to my lawn care guy as I have done for the past several years. I received an email and text alert that the XXXX was declined due to suspicious activity. I contacted M & T Bank at approximately XXXX pm and after XXXX minutes on the phone and multiple verifications as to who I am as the legitimate account holder, I was told to proceed as the issue was resolved. At approximately XXXX XXXX, I discovered that I could not log into my account. I again contacted the bank via phone and was instructed to present in person, with a valid ID to resolve the issue. On XX/XX/year> at approximately XXXX am I went to the M & T Bank XXXX located at XXXX XXXX XXXX, XXXX, MD XXXX, and spoke with XXXX XXXX XXXX, Branch Manager who after calling the Bank 's Fraud Investigation Unit, was unable to resolve the issue. I was instructed to return on Monday XX/XX/year>, which I did at approximately XXXX XXXX. After verifying my ID XXXX XXXX XXXX called the investigation unit and again the issue was not resolved. I was informed that if I wanted access to my account information I must continue to come to the bank and request a print out but I will not be able to log in and no further explanation has been provided. I am filing this complaint because I am wrongfully being denied access to my accounts.

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 2025-05-05 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: FL

Complaint narrative:
Equifaxs records include incorrect full names such as XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, along with outdated employer information and prior addresses that are no longer valid. These data entries are not only false, but they likely stem from compromised data, possibly tied to a third-party breach. These identifiers can cause confusion, misattribution, or credit file merging errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: MS

Complaint narrative:
I am in the processed trying to purchase my first home. I am unable to closed on my home on XX/XX/year>, due to the mortgage company has to used 0.05 % of my student loan balance which is extremely high. I have been working in the Public Services arena for over twenty years. I am currently under the IDR Plan. My student loan are currently under forbearance. I used the loan stimulus repayment plan and is comfortable with paying {$160.00} a month. However, Mohela refused to send me documentation of this. 
My loan servicer is Mohela for my student loans. I have renew my IDR ( Income-Driven Repayment Plan ) with Federal Student Aid on XX/XX/year>. According to Federal Student Aid my IDR was completed on XX/XX/year> and your loan servicer has completed their review of your application. The next steps is your loan servicer will reach out to you with additional details regarding your completed application. However, no one has reached to me. I have been calling Mohela everyday since XX/XX/year>. I am so tired of going in circle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-05-05 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: CA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-05-05 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: GA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
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 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 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 non-monetary relief
Consumer complaint received 2025-05-05 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: IA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-05 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and XXXX XXXX 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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 2025-05-05 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-05 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: SC

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
Consumer complaint received 2025-05-05 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: Self Financial Inc.
State: CA

Complaint narrative:
At the beginning of XXXX I received an email update from XXXX XXXX indicating that a new account had been opened. I had not opened an account so immediately went to check all of my credit reports. All three bureaus indicated a {$510.00} personal loan from SELF / LEAD. I froze the credit on all three reports and submitted disputes on XX/XX/XXXX. I also contacted SELF / LEAD with the phone number and account number indicated on my credit report. I ended up calling SELF / LEAD 3x during XXXX - XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time I called that assured me I would be receiving an email ( I had to provide my actual email as the account was not set up with any email I had which I verified by relaying all of the emails I used and the SELF / LEAD operator confirming none of those emails were associated with the account ). On the last phone call I discovered that they'd been sending these emails to the fraudulent account opener- they finally sent me an email on XX/XX/XXXX wrongly saying they determined it was my account ( they never contacted me or seemingly made any efforts to truly verify the account was legitimate ). XXXX  and XXXX have both said the account belongs to me ( again, it does not ). It now seems the scammer who opened the account has paid it off and shut if down probably after being tipped off by SELF / LEAD that the fraud had been detected by me. I am more than willing to file a police report or do anything else to show that SELF / LEAD allowed a fraudster to open an account with my SSN and that this should not be showing on my credit report - but they continually ask for proof that the account isn't mine without giving me any ways to provide proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
My personal and financial data was compromised in a data breach violating FERPA. This violated my rights and I request a full discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-05-05 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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

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 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 2025-05-05 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: FL

Complaint narrative:
I am the victim of identity theft and have submitted an official FTC Identity Theft Report ( No. XXXX ). The account from XXXX XXXX ( Account No. XXXX ) was fraudulently opened in my name without my knowledge or authorization. I have disputed this account multiple times with Experian, yet they continue to report it as " verified '' without providing any documentary evidence, call recordings, or validation documents as required by law. Despite repeated formal disputes, no proper reinvestigation has been conducted, and no validation was provided under Section 611 of the Fair Credit Reporting Act ( FCRA ), nor have they complied with 12 CFR 1022.43 or 623 ( a ) ( 6 ) ( B ). Their vague responses and failure to properly reinvestigate and delete this fraudulent data constitute willful noncompliance.

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 2025-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I JUST RECENTLY LOOKED AT MY CREDIT REPORT XX/XX/XXXX. I SAW SOME HARD INQUIRIES THAT DID NOT HAVE PERMISSIBLE PURPOSE. 

XXXX XXXX XXXX XXXX XX/XX/XXXX : THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT. DELETE THIS INQUIRY DUE OT VIOLATION OF 15 USC 1681B 2 XXXX XXXX XXXX XX/XX/XXXX : THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT. DELETE THIS INQUIRY DUE OT VIOLATION OF 15 USC 1681B 3 : XXXX XXXX XXXXXX/XX/XXXX THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT. DELETE THIS INQUIRY DUE OT VIOLATION OF 15 USC 1681B 4 : XXXX XXXX XXXX XXXXXX/XX/XXXX THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT. DELETE THIS INQUIRY DUE OT VIOLATION OF 15 USC 1681B 5 XXXX XXXX XXXX XXXXXX/XX/XXXX THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT. DELETE THIS INQUIRY DUE OT VIOLATION OF 15 USC 1681B 6 XXXX XXXX XXXXXXXX XX/XX/XXXX THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT. DELETE THIS INQUIRY DUE OT VIOLATION OF 15 USC 1681B 7 : XXXX XX/XX/XXXX THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT. DELETE THIS INQUIRY DUE OT VIOLATION OF 15 USC 1681B 8 : XXXX XX/XX/XXXX THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT. DELETE THIS INQUIRY DUE OT VIOLATION OF 15 USC 1681B 9 : XXXX XX/XX/XXXX THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT. DELETE THIS INQUIRY DUE OT VIOLATION OF 15 USC 1681B 10 : XXXX XXXX XX/XX/XXXX THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT. DELETE THIS INQUIRY DUE XXXX VIOLATION OF 15 USC 1681B 11 : XXXX XXXX XX/XX/XXXX THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT. DELETE THIS INQUIRY DUE OT VIOLATION OF 15 USC 1681B 12 : XXXX XXXXXX/XX/XXXX THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT. DELETE THIS INQUIRY DUE OT VIOLATION OF 15 USC 1681B 13 : XXXX XXXX XXXX THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT. DELETE THIS INQUIRY DUE OT VIOLATION OF XXXX USC 1681B 14 : XXXX XXXXXXXX XX/XX/XXXX THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT. DELETE THIS INQUIRY DUE OT VIOLATION OF 15 USC 1681B

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 2025-05-05 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 2025-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
I am filing this complaint regarding Newrez LLC ( doing business as Shellpoint Mortgage Servicing ), the servicer of my mortgage loan for the property located at XXXX XXXX XXXX XXXX, XXXX, SC XXXX. 

In XX/XX/year>, I submitted an escrow-only payment of {$5100.00} to cure an escrow shortage caused by a property tax misclassification by my county ( they incorrectly taxed the property at 8 % instead of the correct 4 % owner-occupied rate ). The county acknowledged the mistake, corrected it, and issued me a refund. I promptly sent documentation of this correction to Newrez and was advised that the payment would be applied toward my escrow shortage. 

However, despite my full payment and supporting documentation, the following issues have occurred : Newrez failed to apply the {$5100.00} properly to my escrow balance. 

My monthly mortgage payment increased following a new escrow analysis. 

A new analysis was later canceled without explanation. 

I am now being told that I still owe an additional {$2000.00} for the same shortage I already paid despite no change in property taxes. 

As of now, my escrow account remains incorrect, and I have not received a clear explanation of why the original payment was not applied or why the analysis was canceled. 

This has created significant financial stress and uncertainty. I have screenshots and statements showing the escrow-only payment was made on XX/XX/year>, and that it was not applied to the shortage as promised. 

I am requesting that Newrez : Apply the {$5100.00} escrow payment correctly Re-analyze my escrow account using the corrected property tax rate Reverse any unjustified payment increases or shortage demands Provide me with a written breakdown of my escrow history and current balance I have attempted to resolve this directly with Newrez but have not received a satisfactory or timely resolution.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation