vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
During Covid-19, I took Caliber home loans COVID forbearance after many times asking if the missed interest would become principle, I was told no every time. Once I exited the forbearance, I noticed that the interest was changed to principle. This was the exact opposite from what I was told over and over again.

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 2025-03-26 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX account open fraudulent I did not authorize or do I have any knowledge of this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am applying for a home loan and the bank can not pull my Equifax and transition report and score and when I call transition and Equifax they keep transferring the call over and over and telling me that there's nothing wrong and that I have to wait 24 to 48 hours for the system to reset and all of these lies just so they can hang up the phone with me without helping me I desperately need the CFPB to help me with this urgent matter so I can pull my credit report and get my new home loan!.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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 require that these FRAUDULENT accounts be deleted from my consumer file immediately. Failure to comply will result in legal action to protect my rights. These violations constitute Aggravated Identity Theft under 18 USC 1028 A ( a ) ( i ) a felony offense. I am seeking the following compensations : XXXX. Permissible purpose- {$1000.00} 2. Defamation of character - {$1000.00} 3. Damaged reputation - {$1000.00} 4. Damaged credit worthiness - {$1000.00} 5. Damaged made of living - {$1000.00} 6. Infringed rights to privacy - {$1000.00} Cease the reporting of this incorrect information immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 ( 5 ), they are supposed to treat inaccurate or unverifiable information by promptly deleting or modifying it.

According to 15 USC 1681s-2, they are not supposed to furnish any information that is known or believed to be inaccurate.

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 2025-03-26 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Idaho Housing And Finance Association
State: TX

Complaint narrative:
My wife had emergency XXXX XX/XX/XXXX and we both were off from work without pay. Our church agreed to pay a portion of our mortgage for XX/XX/XXXX payment to help get us caught up in which at that time we owed {$2200.00}. Our church paid {$2000.00} which left us with a balance of {$210.00}. I called the mortgage company and advised that I would pay it by the end of XXXX or XXXX but was not able to due to still being off from work. We then ended up owing the {$210.00} from XX/XX/XXXX, plus XXXX for XX/XX/XXXX. I called the mortgage company the 1st or 2nd week in XXXX and asked what our options were and was told that we had to pay the XXXX from XX/XX/XXXX, XXXX for XXXX and XXXX which totaled XXXX. I asked why did we have to pay all of this upfront and was told that it was because we were 90 days behind. In doing my calculations this does not equal 90 days delinquent! As I'm steadily asking for verification as to how they came up with this figure the lady was so nasty and rude. I said okay and paid the full amount by requested date. However, I do not believe we were treated fairly with the option given!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
Last week I noticed a drop in my credit score by over XXXX points ( XX/XX/XXXX ) and was surprised to find my parent plus student loan account delinquent on my credit report. Since XX/XX/XXXX the payments have resumed without me being properly informed by the loan servicer. 

I had called XXXX as of today XX/XX/XXXX, and they had informed me that I was sent message correspondences though my online portal, but I didnt have access to it at the time, as I had thought my serviced was still XXXX. I did not receive any postal mail/written notices, nor did I get any calls from XXXX claiming that my loan was due for payment. I am writing a complaint as I believe that the loan servicer did not properly reach out to me as a borrower to inform me that my payments are due and late. I will be making a payment to pay off my balance due, but I do not agree with my account reaching default and lowering my credit score drastically.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-26 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX INQUIRIES XXXX  - XX/XX/XXXX, XXXX  - XX/XX/XXXX, XXXX  - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX  XXXX - XX/XX/XXXX, XXXX  - XX/XX/XXXX, XXXX  - XX/XX/XXXX, XXXX  - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX  - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 explanation
Consumer complaint received 2025-03-26 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: WI

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-26 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: MI

Complaint narrative:
This coincides with my complaint of XXXX, which is still in an unresolved status. To give a synopsis of that complaint XXXX placed a derogatory mark in my credit advising I was 30 days late with a payment and that was incorrect. After I made the complaint to your agency and sent a letter to the corporate office XXXX began reversing the derogatory late payment status about a week ago and that made my credit begin trending back up slowly. As of today I have received notice thay Ally has once again reported my account 30 days late which caused my credit score to plummet XXXX points in one day. I want to reiterate I have NEVER missed a payment in 10 years. In need help, this is causing my credit score to plummet and impeding my ability to close a loan. It is literally causing me severe emotional distress. My Ally account number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CT

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously requested an investigation for the following accounts ; however, I have not received any information, and the errors listed below are still being reported on my file. It has been more than 30 days, which exceeds the time frame allowed for completing your investigation. Please note, I am NOT requesting verification at this time. Instead, I am requesting that my credit report be corrected, as it has been longer than 30 days. 

XXXX - XXXX - Equifax is reporting this account with lates whereas Experian and XXXX are reporting it as a positive account, with no lates. Clearly this is a billing error. Please update this account to reflect Paid as Agrees, Never Late which is the same as Experian and XXXX. 

XXXX XXXX  - XXXX - This is an open account and has inaccuracies in the way it is reporting. The 'last activity ' dates are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The 'date of last payment ' are reporting as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which does not make sense on an open account. Equifax is reporting it late, Experian is not reporting it and XXXX shows it as a positive accounts with XXXX lates. How can that be? This is clear proof in billing errors and inaccuracies. Please update to Paid as Agrees, Never Late. 

XXXX XXXX XXXX XXXXXXXX - XXXX is reporting this as a positive account with no lates but Equifax and Experian are reporting it with lates. Not to mention, the 'last activity ' dates are reporting as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on an open account. The 'last reported " dates are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Due to an obvious billing error, please update this account to reflect the same as XXXX, Paid as Agrees, Never Late.

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 2025-03-26 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: IL

Complaint narrative:
None of the false inquiries were removed from XXXX  or any of the fraudulent collections

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 2025-03-26 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: IL

Complaint narrative:
None of the false inquiries were removed from XXXX  or any of the fraudulent collections

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
XX/XX/XXXX I received text from Santander Bank asking if I authorized charge of XXXX ; I replied No. On XX/XX/XXXX I reported fraud charges to the bank and cancelled the card. I was told no charges pending and I would not be responsible for charges to account. Another card would be issued. On XX/XX/XXXX, XXXX transactions of {$940.00} charged to account. On XX/XX/XXXX each of those charges credit to the account. On XX/XX/XXXX the charges were deducted from account claiming XXXX XXXX claimed I authorized payment. I have called both Santander Bank and XXXX XXXX multiple times.i never authorized the transactions. I feel Santander Bank should have NEVER authorized payment after I reported the fraud much less remove the $ from the account after it was credited.

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 2025-03-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: CCF Intermediate Holdings LLC
State: KS

Complaint narrative:
Hi, XXXX. You will now receive texts from XXXX, XXXX ( a XXXX  XXXX  ) about your {$2700.00} unpaid balance from your SPEEDYCASH account. 
# of Msgs Varies Msg & DataRatesMayApply View Online : XXXX : XXXX Live Agent : XXXX Reply Stop to optout. 

I received this message XX/XX/scrub>/25 I tried to set up a payment and I was refused. I asked if they are refusing. 

Attached is the response with my personal information removed Hi I am a live agent, XXXX XXXX. Am I speaking to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and for security, I have the last four of your social security number XXXX XXXX XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XX/XX/XXXX TransUnion Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as Pintos v. Pacific Creditors Association ( XXXX  ) and Dennis v. BEH-1, LLC ( XXXX  ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XXXX XXXX XXXX 2025 Experian violated FCRA Laws 15 USC 1681i ( a ) ( 5 ) with the reinsertion of items that had been deleted. From creditors that had also violated 15 USC 1681i ( a ) 1 and 15 USC 1681a 6B 3. These accounts were removed due to fraud. These accounts have not been validated by creditor.

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 2025-03-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
on XX/XX/year> - I withdrew {$500.00} cash from XXXX XXXX atm. I went next door to Truist bank to open a savings account. I gave the lady at Truist my information to open said account with the cash. Then I received XXXX letters in the mail dated XX/XX/XXXX stating the account was closed due to suspicious activity. So I called the number provided on the letter to find out what exactly was going on. They state the deposit I made was under investigation. I then called back XX/XX/year> to find out when I would get my funds back and it was advised that it would not be returned due to confirmed fraudulent funds.

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 2025-03-26 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: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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