vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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: MD

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX, XXXX  and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: MS

Complaint narrative:
I am writing to respectfully request assistance regarding my XXXX XXXX credit account ( Account # : XXXX * * * * ), which is currently reporting to both TransUnion and Equifax. While this account is now in good standing and reflects a {$0.00} balance with a current payment status, I would like to ask for a review and possible removal of the late payments reported during XXXX and early XXXX. 
As outlined in my credit report : I had a few late payments in XXXX, XXXX, and XX/XX/XXXX, and again in XXXX and XX/XX/XXXX, reported as XXXX or 60 days past due. 
However, I have worked diligently to bring the account current and have consistently made on- time payments since then, with a solid and improving payment pattern now clearly reflected in the most recent history. 
Given my recent performance and the efforts Ive made to restore my account, I am kindly asking that the Consumer Financial Protection Bureau consider facilitating a goodwill adjustment or correction to remove these older late payment notations. I understand that creditors and furnishers are not required to remove accurate information, but the FCRA also supports fairness and the reporting of complete and updated information. 
I believe this request aligns with the intent of the Fair Credit Reporting Act to promote accuracy, and I hope my recent positive history will be taken into account. Ive included supporting documentation for your reference, including a copy of my credit report and identification. 
Thank you for your time, consideration, and for supporting consumers striving to improve their creditworthiness. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Torriere Holdings INC
State: CA

Complaint narrative:
XXXX  has been harassing me for weeks. Today I received a text from my landlord that SHE received a phone call for ME on her phone number. How they obtained her phone number is beyond me. This is not legal for them to be calling my landlord and asking for me.

I have attached a screenshot of my text exchange with my landlord.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/year>XXXX  I am very upset with this matter. I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I did my research, I know the credit bureaurs have 30 days to reply back and they haven't. I feel the credit bureaus are trying to take advantage of my by ignoring my disputes I took time to send to them. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly or I will file litigation do to the stress and XXXX  you caused me, My information was impacted by by date breaches and may have gotten into the wrong hands I am begging to help at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/year>XXXX  I am very upset with this matter. I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I did my research, I know the credit bureaurs have 30 days to reply back and they haven't. I feel the credit bureaus are trying to take advantage of my by ignoring my disputes I took time to send to them. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly or I will file litigation do to the stress and XXXX  you caused me, My information was impacted by by date breaches and may have gotten into the wrong hands I am begging to help at this point.

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 2025-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
My home loan was transferred on XX/XX/XXXXXXXX  from XXXX to NewRez. At the date of transfer my unpaid principal balance was {$120000.00}. However, my loan with NewRez had an initial unpaid principal balance of {$440000.00}. 

The amount of {$440000.00} was the initial mortgage loan balance with XXXX XXXX  and does not include any payments made from XX/XX/XXXX to XX/XX/XXXX. 

I have contacted NewRez repeatedly including six phone calls and several inquiries submitted through their app. I have provided NewRez with a letter from XXXX stating the correct unpaid principal balance at the time of loan transfer is {$120000.00}. I have also submitted my bank account statements showing proof of payment to XXXX XXXX  and I have submitted XXXX XXXX  statements showing proof of payment. 

NewRez has repeatedly stonewalled and delayed taking action or providing answers. I have been promised corrective action on my loan in " 3-5 days '' or " 72 hours '' several times only to follow up after the prescribed time and find no progress has even been initiated. I have also been promised escalation to supervisors and managers to no avail.

Instead of resolving my issues each phone call with NewRez customer service has ended with the representative fishing to see if I am interested in a new home loan or trying to sell me a refi.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On Thursday, XX/XX/year>, I received multiple phone calls from someone claiming to be a representative of XXXX XXXX XXXX, using the official number listed on the back of my XXXX  card. This individual XXXX  me, stating that both my life and my funds were in XXXX. They had access to my personal information, including my home address and banking details, and identified themselves as a XXXX in XXXX XXXX and XXXX Department, providing a name and badge ID. Under the pressure of these XXXX, I was XXXX  into wiring XXXX transactions totaling {$25000.00} supposedly to myself, but in reality, the funds were intercepted by the caller. Within the hour, I reported the incident to my local XXXX branch, filed a fraud claim, and contacted the police to file an official report. Despite notifying XXXX that the same number continued to XXXX and XXXX  me the following day, no action was taken to ensure my safety or protect my account. I contacted XXXX numerous times for updates and was repeatedly told there was no information available. Eventually, my case was closed and denied without any formal update or explanation. This situation involves grand larceny by false deception and a serious breach of customer trust and security. I am requesting that my case be re-opened immediately and handled with the seriousness it deserves.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had a secured credit card account with Citibank ( account ending in XXXX ), which required a {$1000.00} deposit in 2022. After Citibank closed the account, they did not return or apply that deposit to my balance. Instead, the balance has ballooned to over {$3500.00}, on a {$1000.00} credit limit. Due to excessive late fees, returned payment charges, and interest that continued even after closure. 

Ive contacted them multiple times to dispute these charges and requested they assess or remove the fees, but nothing has been corrected. Ive reached out numerous times on a conflict of returned payment fees, interest fees, among others as I left a financially abusive relationship which entailed correcting other accounts where my payments where at one point paid from. At one point, I calculated that nearly {$1000.00} in fees had accumulated. Adding to the problem, I can no longer access my account through the Citi app or website, making it impossible for me to view statements, track charges, or properly dispute anything.

This lack of transparency and customer service is severely impacting my credit as I continue to work hard to repair it. Im requesting that Citibank be required to refund or apply my deposit, reverse excessive charges, and correct the inaccurate reporting.

It is unreasonable and likely unlawful for Citibank to continue charging interest and late fees on a secured account that they themselves closed. Once an account is closed, especially by the creditor, the terms of active borrowing and continued interest accrual should not persist, particularly when I no longer had access to the account to make payments or manage charges. The ongoing accumulation of fees after closure inflated the balance beyond the secured limit and unfairly damaged my credit.

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 2025-06-16 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: VA

Complaint narrative:
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 you have 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-16 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: VA

Complaint narrative:
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 you have 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I am filing this formal complaint regarding an invalid XXXX  student loan agreement associated with my time at XXXX XXXX in XXXX. The loan in question was issued under XXXX XXXX XXXX XXXX XXXX program, and it contains numerous deficiencies that render the agreement invalid and unenforceable. Grounds for Complaint : Invalid Promissory Note : The document provided by the servicer includes my name but lacks my signature, and there is no school officials signature. The total certified loan amount is blank. The course of study is listed as XXXX ( XXXX ), and my enrollment end date is recorded as XX/XX/XXXX, which is not a valid date. * * * THERE IS NO LOAN NUMBER ON THE PROMISSORY NOTE. * * * Predatory Lending and Account Manipulation : Interest accrued due to repeated forbearances, account manipulation, and the loan servicer 's abuse of Rate Reduction Programs. These actions prevented me from qualifying for borrower relief and artificially increased my loan balance. The lender appears to have worked closely with XXXX XXXX in a manner consistent with predatory lending schemes, now widely documented and condemned. XXXX Requested : Given the invalidity of the original agreement and the abusive servicing practices that followed, I am demanding : XXXX. Restitution of the full amount of payment ( {$38000.00} ) due to predatory lending and unlawful interest accrual caused by loan servicing misconduct and invalid agreements. The interest on this loan built up because of how the account was mishandled not because I failed to pay. The lender and servicer kept putting the loan in forbearance, used the XXXX XXXX XXXX in ways that XXXX  rather than helped me, and manipulated my account to keep me ineligible for relief. This interest is the result of XXXX, not my actions. XXXX. Removal of this loan from my current credit report and all credit reports from my history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Ally Financial Services unauthorized inquiry on XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: FL

Complaint narrative:
i've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: CL Holdings LLC
State: CT

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Dispute of XXXX XXXX XXXX XXXX XXXX Credit Card ( Credit Report # XXXX ) To Whom It May Concern, I am writing to formally dispute the derogatory information reported on my credit file regarding my XXXX XXXX credit card, specifically concerning missed or late payments for the months of XXXX, XXXX, and XXXX of XXXX. 

During this period, 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 

While I was away, I made multiple attempts to contact your customer service team to inquire about the status of my account. Each time, I was assured that my circumstances were understood and that my account would be placed on autopay. I agreed to this arrangement. Despite these assurances, I later found that a derogatory mark had been placed on my credit report for the payments in question. 

I spoke with representatives XXXX, XXXX, and XXXX, XXXX of the managers, who confirmed that XXXX, XXXX, and XX/XX/XXXX were the months during which my payments were missed. However, I was never contacted about any outstanding payments, and I was unaware that autopay had not been activated as I had requested in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and it wasnt until later that I learned autopay wasnt initiated until XX/XX/XXXX. 

I have been a loyal XXXX XXXX cardholder since XXXX, and this situation is both distressing and unwarranted. Therefore, I respectfully request that XXXX XXXX and the credit reporting agencieXXXX XXXX  and TransUnionremove this inaccurate and harmful information from my credit report immediately. The current reporting is unjustly impacting my credit score and my ability to make necessary purchases.

Attached, you will find a letter from the U.S. Embassy verifying the personal loss I experienced. 

Thank you for your attention to this matter. I appreciate your prompt assistance in rectifying this error. 

Sincerely, 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