vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-13 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/2025 XXXX XXXX reported that I was 90 days delinquent on XXXX XXXX XXXX XXXX. As a result of the reported information to the 3 major credit bureaus, my credit score has dropped down to the XXXX. The original servicer servicer of XXXX XXXX XXXX was XXXX. Until yesterday ( XX/XX/2025 ), I was unaware of the repayment status of my loans, and the fact that XXXX XXXX XXXX had been transferred to a new servicer XXXX XXXX. The current balance of my XXXX XXXX is now {$190000.00}. The monthly payment on this loan is XXXX XXXXXXXX. I called XXXX XXXX yesterday ( XX/XX/2025 ) to get this deleterious information removed from my credit report. XXXX XXXX has a program that will remove of this delinquent payment history from one 's credit history if an individual lives in an area of the country that was affected by a FEMA -declared natural disaster during the loan repayment period. I applied for this program yesterday, but was cautioned that I " probably will not qualify. '' I was granted a 3 month loan forbearance for future loan payments, but that forbearance will remove the delinquent payment history that is negatively affecting my credit reports

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 2025-04-13 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 identity theft. The information listed below which appears on my credit report are not my transactions that I have made. It is the result of identity theft. Please remove this from my credit report 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 non-monetary relief
Consumer complaint received 2025-04-13 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: GA

Complaint narrative:
I am a victim of identity theft. The information listed below which appears on my credit report are not my transactions that I have made. It is the result of identity theft. Please remove this from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: SC

Complaint narrative:
I have asked for a copy of my wet signature with no response for any of the companies that I asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
Greetings! I asked my bank on numerous occasions about a loan. Applied for it online. Yet every time I apply Im denied. Ive been with the bank for over 5 years. No matter the time, Im always denied. Ive asked why have I been denied. I get answers like on half our whole of my credit report. Ive explained that Ive been with the bank for a number of years and should be seen as an asset rather than a liability. I need the loan for medical purposes to aid in getting and posing for a medical procedure. Doesnt matter what Im getting the loan for Im denied. I feel that as a long standing member of TD bank I should be given a chance. The loan amount I asked for was {$5000.00}. I receive direct deposit and asked if the payments could be geared toward an amounts monthly that I can afford. Yet Im not able to speak with anyone in upper upper management or even someone that can speak in my behalf. I receive XXXX and XXXX XXXX. I know I can pay the loan back if given an opportunity. Without the opportunity from my XXXX XXXX  is simply horrible. I continue to pay my bills and overdraw my account trying to pay for my medical procedure myself. Yet Ill not ever reach it like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: FL

Complaint narrative:
To Whom It May Concern, This letter serves as formal notification that the accounts listed below are currently involved in litigation and are the subject of an active dispute. In accordance with federal law, these accounts should not be verified or reported while legal proceedings are ongoing. 

In support of my position, I cite the legal precedent set forth in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which upholds the doctrine of estoppel by silence : Account under litigation : under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt exists, nor therefore any such debt in fact exists. 

Due to your failure to provide proper verification or documentation substantiating the validity of these accounts, I assert that continued reporting of these items constitutes willful non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, 1681s-2, and 1681e ( b ). 

Accounts Involved in Litigation : 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

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 2025-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
I called Select portfolio servicing on several occasions asking to lower my mortgage with a modification. My mortgage was {$1700.00} a month for XXXX XXXX I had no problems paying on time. Then in XX/XX/year>, it jump up to {$3400.00} a month XXXX cant pay that. Do I been paying the XXXX. They informed me that they will held in escrow and the payment will be late, then the payment start increasing cause of the late fee. I sent in my whole check they didnt credit my account. I informed them that I can not pay that and I want to keep my house. They the investor not moving forward an any modifications cause the property basically not worth it. I got kids I been asking them to help me. Then my credit score started dropping because of it. Please someone help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: NJ

Complaint narrative:
After looking over my consumer report I noticed that XXXX is reporting a bankruptcy but without the proper consent. I mailed them a letter asking them what's their source. If they received this information from a third party company then that is not the proper source of information and shows that they violated laws within the FCRA. I as a consumer have. the right of privacy. In accordance of 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ), if they can not properly verify this information ( excluding third party companies ) then this information must be removed from my consumer report 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 non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Supreme Solutions
State: MN

Complaint narrative:
Supreme auto in XXXX XXXX man falsely resold a car to themselves reported on my credit report as a repo and charge off I never received a 1099 of this debt being written off and its still a owed balance on my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX ; XXXX and XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-04-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX ; XXXX and XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This is the second time Bank of America is not responding to a pending wire that has not been received. In XXXX I sent a wire that needed additional information, I did my due diligence and attempted to call to get more information to see where my wire is and everyone stated that everything was ok and that the intermediary bank should have it. Only to find out later that there was additional info needed and the wire was already returned. Now I am sending the final payment for the property I am purchasing I sent the wire on XX/XX/XXXX and it has still not been received. I have called multiple times and everyone stated once again everything is ok and they should have it while they do not. This is the same thing. I have asked if there is a XXXX and there is not. However it is not XX/XX/XXXX which means this wire is most likely being returned due to bank of americas negligence. It is impossible to get a hold of someone at wires. I hold for hours with no one to picks up. I have called 3 branches in my area and no one picks up as well. I spoke to general customer support on the phone asking to file a complaint, they just transferred me to the wire dept where no one picked up once again. This is days and days of attempting to contact over the last week and a half. Bank of America owes me money for the international phone calls Ive had to make to attempt to get this resolved. They more importantly owe me money for the rate change I will be penalized with. I sent the funds at XXXX and currently the rate has drastically dropped. If I do not get the funds where they need to be, I will lose my property. I will be contacting my lawyers if this happens. I have never dealt with a more unprofessional company who doesnt value my relationship with them after 22+ years. I have had mental distress due to this and worry about losing my new home. I expect this to be resolved in a timely manner and reimbursement to be issued to me for all of the trouble since 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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Incorrect information being reported. Account was paid off in full in XXXX of XXXX. 

15 U.S. Code 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy.

15 U.S. Code 1681i : Consumers have the right to dispute inaccurate or incomplete information and request prompt correction or deletion.

15 U.S. Code 1681s-2 ( a ) : Data furnishers like XXXX are required to report only accurate and verifiable information.

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 2025-04-13 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: MD

Complaint narrative:
Incorrect information being reported. Account was paid off in full in XXXX of XXXX. 

15 U.S. Code 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy.

15 U.S. Code 1681i : Consumers have the right to dispute inaccurate or incomplete information and request prompt correction or deletion.

15 U.S. Code 1681s-2 ( a ) : Data furnishers like XXXX are required to report only accurate and verifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: BANNER CORPORATION
State: CA

Complaint narrative:
Three times I have delivered by payment and they said they would transfer the money to my HELOC and they did not. It created a false late payment XXXX times and has affected by credit. 

In accordance with the Fair Credit Reporting Act. Banner Bank has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 15USC 1681 section 602A Section 2 ; also states I have the right to privacy. 15 USC 1681 Section 2 ; also states consumer reporting agency can not furnish an account without my written instructions. 

Banner Bank account - XXXX is the account in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the transunion and equifax 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've attached the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the transunion and equifax 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've attached the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.

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 2025-04-13 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: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: MI

Complaint narrative:
The options that were offered to select as my issue did not fit what Im writing about so I chose what was closest.

My information was breached according to FERPA and Im asking for a dispute off of my credit for student loans specifically. This hardship has caused plenty of mishap for me already and will continue to do so. Ive been working on building my credit for years for all of my work to be put to shame within XXXX minute. The XXXX XXXX XXXX unfortunately hit my credit institution 3 times and in result my credit plummeted XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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:
I did not give expressed written consent to or authorize any third party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft : 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 Please promptly remove this data within 4 business days pursuant to 15 USC 1681-c-2 to avoid any further legal proceedings. Thank you for your timely compliance!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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