vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX of this year, I contacted Truist Bank regarding a serious issue with my account. I have been a customer for some time, and I noticed that a payment I received for a property I sold in my home country was missing from my account. 
Cheking account # XXXX Specifically, the amount of {$74000.00} ( XXXX XXXX, XXXX XXXX XXXX dollars ) was withdrawn from my account without my authorization. 

When I called, I was transferred to the fraud department. I was told the case would be reviewed, but I was kept waiting for an entire month without any clear updates. 

Now, every time I try to get more information, I am told that my account is under investigation. However, I can still see that the balance is available in the account. The problem is that the account has been closed, so I can not access the funds or visit a branch to receive a check. 

This money is urgently needed to resolve financial matters, and I respectfully request your assistance in helping me recover my funds as soon as possible. 

Thank you in advance for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: CA

Complaint narrative:
I am a known victim of identity theft. I have been going through the whole process for at least a year. I have prepared all the documents and sent them to the credit bureaus many times just like the FTC recommended for me to do. I have taken care of the majority of this but there is one account with XXXX XXXX XXXX, as well as a new collection that is the result of an account that was opened fraudulently reporting on my credit and I keep sending the stuff over and over and over and they do not remove it. This XXXX account does not belong to me. I have had other accounts with XXXX XXXX XXXX in the past, they can easily see that I paid those and that the address doesn't match. I do not get it. This is illegal, what they are doing. Please help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: CA

Complaint narrative:
I am a known victim of identity theft. I have been going through the whole process for at least a year. I have prepared all the documents and sent them to the credit bureaus many times just like the FTC recommended for me to do. I have taken care of the majority of this but there is one account with XXXX XXXX XXXX, as well as a new collection that is the result of an account that was opened fraudulently reporting on my credit and I keep sending the stuff over and over and over and they do not remove it. This XXXX account does not belong to me. I have had other accounts with XXXX XXXX XXXX in the past, they can easily see that I paid those and that the address doesn't match. I do not get it. This is illegal, what they are doing. Please help me

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 2025-05-13 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:
Please remove all fraudulent accounts. These accounts are fraudulent and I demand that they are removed. Thank you. 

These are the accounts I am disputing : XXXX XXXX account number is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX account number is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  account number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, account number is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, account number is XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT 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 2025-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: TX

Complaint narrative:
b'I have tried to contact an agent that can help me with my forbearance, but I have been on hold twice for over 3 1/2 hours, with no one ever picking up. On XXXX XXXX, I was on hold for 5 1/2 hours and no one ever picked up. They do not have a call-back option, and no direct line.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: GA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes 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 2025-05-13 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: LA

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 2025-05-13 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: LA

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 explanation
Consumer complaint received 2025-05-13 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:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: WA

Complaint narrative:
The company has not validated the account per the letter requesting proof of claim which was sent to the collection agency.

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 2025-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SN SERVICING CORPORATION
State: OR

Complaint narrative:
I filed a insurance claim for water damages on my rental home for a claim dated In XX/XX/XXXX. XXXX XXXX XXXX was my servicer at the time. They had paid two checks about {$10000.00} each one for work completed. I was scheduled to have the final evaluation in XX/XX/XXXX. I sent in all the pictures required and receipts but my servicing was transferred in XX/XX/XXXX to XXXX XXXX XXXX XXXX so the inspection was cancelled and had to wait for XXXX XXXX XXXX. This delayed the claim because XXXX XXXX XXXX had to wait for all the paperwork and the time to review it. 
To complicate matters my rental house caught fire on XX/XX/XXXX. When I did meet with my XXXX XXXX XXXX about this issue, she set up a meeting with her supervisor in early XX/XX/XXXX. 
XXXX XXXX  XXXX sent out a check for {$1100.00} but there still was a balance due from insurance payout of about {$5600.00}. That is why I had set up a meeting. There were other issues to address not related to this insurance claim. The XXXX XXXX XXXX and the supervisor did NOT address my Loss Draft funds properly so I was left dissatisfied. 
I contacted XXXX XXXX  XXXX from time to time requesting my Lost draft Funds. I asked if they needed any further pictures or documentation. XXXX XXXX XXXX said no they have all the pictures and documentation they need. I asked then why dont you send me the balance of my insurance proceeds? They said because you are not making your monthly mortgage payment, we are holding the funds until you do make that mortgage payment. So from XX/XX/XXXX to at least XX/XX/XXXX I made the monthly mortgage payment to XXXX XXXX  XXXX. ( Copy of 1st 2 payments by check ; XXXX  XXXX ). 
And I still inquired to XXXX XXXX XXXX as to why they have not sent me my insurance proceeds balance now that I AM making my mortgage payments. They just told me they cant send the Lost Draft balance due me. Currently the balance stands at {$5900.00} with interest ( Copy Enclosed ). 
I am seeking the full return of my {$5900.00} Loss Draft balance. XXXX XXXX  XXXX still refuses to pay me my money to this day. This is against the law for XXXX XXXX  XXXX to deny me payment for work completed. XXXX XXXX XXXX should be sanctioned heavily for taking over XXXX years and XXXX months and counting to pay my insurance proceeds claim. Now my property was foreclosed on XX/XX/XXXX, and Still without XXXX XXXX XXXX paying me my insurance money! Pictures of remodel enclosed. 
I need you to help compel XXXX XXXX XXXX to return my Lost Draft Funds in FULL as well as recovery for the pain and suffering of Three years and 3 months of XXXX XXXX  XXXX deliberate and unlawful delay. Thank you. 
Email Correspondence and other supporting documents enclosed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: CA

Complaint narrative:
My former best friend who now moved back to XXXX XXXX used my information in the past without my approval to open accounts in my name. These are not accounts that are mine, I didn't open them. I would like to have these removed from my file since they are not my accounts. Please help me with these fraudulent 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 2025-05-13 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 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 2025-05-13 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 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 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
The bank has frozen my accounts I had sold some art to a client and the amount was approximately XXXX and the client had transferred the money into my account just like every time nothing different. So after I find out about this hold I am septics on the whole process. I am not sending him his artwork until this is resolved. The bank I have called every day for weeks and they can give me no information at all. This is unsatisfactory and I will not be continuing banking there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I feel deceived by a promotional deferred interest offer when I purchased a {$3000.00} Dell laptop in XX/XX/XXXX using Dell Pay via Comenity Bank. I was led to believe that making regular monthly payments would avoid interest. Nowhere during checkout was it clearly explained that the entire balance had to be paid off within 12 months to avoid retroactive interest. 

Since XX/XX/XXXX, Ive paid around {$1400.00} in good faith including monthly payments between {$70.00} and {$120.00}, a {$170.00} one-time payment, and consistent {$110.00} payments from XXXX through XX/XX/XXXX. Despite this, my balance barely changed and is still {$3700.00} as of XX/XX/XXXX. 

In XX/XX/XXXX, I was hit with {$900.00} in retroactive interest, which I was never clearly warned would be applied. I assumed based on how Dell and Comenity presented the offer that I was on a 0 % promotional plan, not a trap with balloon interest applied after 12 months. 

To make matter worse, in XX/XX/XXXX I made another {$910.00} purchase under what appeared to be a similar promotional offer. I later discovered that interest was already accruing on this new balance, despite still being within the promotional window. At no point was it made clear that interest could start accruing before the end of the promo period, which reinforces how confusing and misleading these financing terms truly are.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

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 2025-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
I am a homeowner attempting to avoid foreclosure through a mortgage modification. I have submitted multiple complete loan modification applications to my mortgage servicer, but have been repeatedly denied without clear explanations. Most concerning is that the mortgage company began or continued foreclosure proceedings while my most recent application was still under review. 

This appears to violate the federal mortgage servicing rules that prohibit " dual tracking, '' where foreclosure is pursued while a complete application for loss mitigation is being considered. 

I am requesting : A full explanation of why my applications were denied A proper review of my most recent application A pause or reversal of any foreclosure activity until a fair review is completed I am seeking help to retain my home and believe I qualify for modification assistance. Ive acted in good faith, and I ask that the CFPB help ensure my servicer complies with all legal obligations.

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