vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Dear XXXX XXXX, Select Portfolio Servicing Executive Relations, and CFPB, This is a formal Notice of Error under RESPA 1024.35 and Qualified Written Request under 1024.36. 
Loan Number : XXXX Current Servicer : Select Portfolio Servicing ( SPS ) Prior Servicer : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX : XXXX | Email : XXXX Proven Violations ( attached documents ) : My husband XXXX XXXX XXXX XXXX XXXX XXXX ; I kept the loan current alone until COVID. 
The loan was XXXX XXXXowned and serviced by XXXX for all of XXXX ( attached XXXX XXXX Form XXXX and Annual Tax & Interest Statement issued XX/XX/XXXX ). 
I enrolled in protected COVID-19 forbearance in XXXX. 
XXXX sold/transferred the loan out of XXXX XXXX XXXX 
By XX/XX/XXXX SPS had added {$1400.00} in improper Other Charges and Fees, falsely reported me 589 days delinquent on protected payments, demanded {$27000.00}, and referred to foreclosure counsel ( attached XX/XX/XXXX SPS statement ). 
SPS then forced a trial modification that capitalized {$19000.00} in Expenses Paid by Servicer ( junk fees ) and raised my principal ( attached XX/XX/XXXX Trial Modification Plan and my {$1100.00} cashiers check for the first coerced payment ). 
This directly violated XXXX XXXX XXXX Guide XXXX I was entitled to a no-cost, non-interest-bearing COVID-19 Payment Deferral in XXXX with zero fees. 
Relief Demanded ( apply retroactively ) : 1. Remove all capitalized junk fees ( {$19000.00} + {$1400.00} + any others ). 
2. Convert my current modification to the original XXXX XXXX COVID-19 Payment Deferral ( 0 % interest, non-interest-bearing balance due only at sale/refinance/maturity ). 
3. Refund/credit every overpayment since XXXX ( including my {$1100.00} trial payments ). 
4. Correct all credit reporting ( forbearance period = current per CARES Act ). 
5. Provide full loan history and sale/transfer documents. 
Attachments ( irrefutable proof ) : XXXX XXXX Form XXXX & Annual Tax Statement ( XXXX XXXX eligibility ) XX/XX/XXXX SPS statement ( XXXX XXXX demand + attorney referral ) XX/XX/XXXX Trial Modification Plan XXXX XXXX  XXXX fees capitalized ) XX/XX/XXXX {$1100.00} cashiers check ( coerced payment ) All prior statements and letters I have survived widowhood, wrongful foreclosure attempts, COVID, XXXX XXXX, and XXXX XXXX XXXX I will not pay one more cent for violations thousands are now having reversed. 
Respond within statutory RESPA timelines. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-11-20 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: CA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX  XXXX * * * * * * * * * * - Balance : {$600.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX * * - Balance : {$0.00} - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-11-20 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: MD

Complaint narrative:
I am writing to dispute the inaccurate addresses listed on my credit report. The addresses shown do not belong to me and are incorrect. I have never lived at these locations, and I am requesting that all inaccurate or unverified addresses be removed immediately. These errors may negatively affect the accuracy of my credit file and potentially indicate mixed or incorrect information. Please investigate this matter and update my credit report to reflect only my correct and current address.

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 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
On XX/XX/2025, I deposited a U.S. Treasury IRS refund check into my account. I received two hold notices citing Higher return by payer, the latest extending the release date to XX/XX/2025. 

I have verified with the Bureau of Fiscal Service ( U.S. Treasury ) that this check was PAID and CLEARED on XX/XX/2025. 

According to Regulation CC 229.13 ( Expedited Funds Availability Act ), once a U.S. Treasury check has cleared, the bank can not legally extend a hold based on a risk of return. The current hold is therefore illegal. 

I am requesting immediate release of my funds. Failure to release these cleared funds may result in : 1. Filing a formal CFPB complaint for unlawful retention of funds. 
2. Pursuing legal remedies in small claims court for Regulation CC violations, wrongful retention/conversion, and any financial damages. 

I expect written confirmation that my funds will be made available today. Please treat this as urgent. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-20 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: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: FL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 
"

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 2025-11-20 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: WA

Complaint narrative:
I am writing to dispute the following inaccuracies in my credit report as provided by the credit bureaus. I request that the bureaus thoroughly investigate these items to ensure that all information is accurate, updated, and in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts : XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$34000.00} XXXX XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$770.00} XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$20000.00} Inquiries : XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX Late Payment : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
Credit management company was removed off of my credit report and all of a sudden as of today it has reported back to my XXXX report after it was removed you guys have records of that being removed now is back on I want permanently deletion off my credit report and A Cease in Desist off my credit report with all three credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: GA

Complaint narrative:
By law 15usc1681c-2 I have reviewed my credit report and identified several accounts, inquiries, and entries that do not belong to me, we're not opened or authorized by me, and were created through identity theft 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 2025-11-20 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:
By law 15usc1681c-2 I have reviewed my credit report and identified several accounts, inquiries, and entries that do not belong to me, we're not opened or authorized by me, and were created through identity theft 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 non-monetary relief
Consumer complaint received 2025-11-20 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I do not recognize accounts on my credit reporting agency information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-20 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: NY

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
I got a loan through Exeter Finance on XX/XX/XXXX for a used car. My car had nothing but issues from the moment I purchased it. I had to replace the whole A/C and heater blower motor which cost me over {$500.00} and during this time I communicated with them about making a car payment as well and they didn't care and insisted on me paying my payment. Also most of my payments made only went to the interest and not the principle. I had purchased a warranty as well which didn't cover anything and I was unable to cancel this warranty. My interest rate was 25 % and as of XX/XX/XXXX the amount I owed on the car was more than what I had purchased the car for. I ended up voluntary surrendering my car due to the amount of issues wrong with the car and the transmission was failing and it was no longer safe to drive. It took them 4 months to come pick up my car, which I believe was just to add on more late fees so I would owe more money on the car. When I called to do the surrender they said they would send me an email to sign in order to authorize it and I never got the email. When they finally came to get the car there was a huge puddle of transmission oil under it. This company scammed me I do believe and the amount of call I received at all hours of the day even when I communicated openly with them about needing to have a payment extension or something like that they still called my phone nonstop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OR

Complaint narrative:
I borrowed $ XXXX in XXXX for my XXXX XXXX XXXX at XXXX. The loan was issued by XXXX XXXX who steering me into forbearance many times, failed to apply my check payments, took months to process IBR/IDR despite their own counselors helping me to fill them out, and the loan nearly doubled affecting my credit and ability to buy a home, a car, anything for years. The loan was transferred to XXXX and the same issues occurred, even worse as my load sky rocketed and they kept telling me to put it on forbearance as they withheld my IBR applications. I sent numerous letters demanding that they stop obstructing my credit and to undo the falsely inflated balance. They refused and only added more late fees, interest, penalties. I had to rent from XXXX to XXXX until the loan was forgiven as it was 20 years of abuse. I updated my address on StudentAid.GOV and was told I had to do nothing more on my end. I wrote to the class action claims XXXX many times ( XXXX XXXX ) several times but never heard back from them. I called them again today and they said to go to NavientAGsettlement.com but that is just an information page. My old address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I moved to XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX, then to XXXX in Fall XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I relied on the claims administrator and StudentAid.GOV to reach out to me about my settlement as I was DEFINITELY abused by XXXX for most of my adult life and the forbearances on StudentAid.GOV speak for themselves!!! I don't want to be excluded or time barred given the injustice of all of this and the assurances that we had to do nothing on our end - even though I repeatedly did but to this day have seen nor heard anything and I paid tens of thousands to NAVIENT including amounts not owed!!! Please help me obtain restitution. I am XXXX XXXX XXXX now and have waited for this since XXXX took over from XXXX XXXX. The amount I have paid was far in excess of the $ XXXX I had borrowed as my account with Navient will show. XXXX took over my loan and during the final month it was moved over to Mohela by them but I never paid Mohela anything as my load was finally forgiven after tens of thousands paid to XXXX which was not only corrupt but illegal. I am just now aware of the errors in my being on XXXX XXXX list but I definitely wrote to them timely and their negligence has caused me to potentially miss my claim as post cards likely went to old addresses or were never sent!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: FL

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports I notice some accounts I am not familiar with. I have ask the CRA 's for validation of debt, however, the information has not been provided. Due to my information being exposed. I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, FTC report, a copy of my XXXX report showing my information being exposed in a national data breach and a validation of debt letter.

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