vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Fay Servicing, LLC
State: VA

Complaint narrative:
A loan modification was submitted to Fay on XX/XX/2025. I was unaware at that time that a foreclosure sale had already been initiated for XX/XX/2025. So, from my understanding it was submitted in time to be viewed by Fay before foreclosure sale. The loan modification was not even viewed, and I certainly didnt receive any type of denial letter nor a call from anyone to discuss what other options there may be available besides foreclosing on a home I have decent equity in. Calls that have gone into to Fay to inquire about other options are met in a pretty hostile manner. One member I spoke to laughed at me when I asked if I could put the house up for sale myself and sell it so the outcome would be better financially for everyone. The representative basically told me I could do what I wanted, but the house was going to be auctioned on XX/XX/2025 regardless. I asked if the house would still be auctioned if I had a contract on it, and the representative just repeated himself. So, at this point all I can do is file a complaint. I am trying to view the situation as objective as possible, and cant seem to understand allowing a sale so that Im not as harmed financially by a foreclose sale. A sale of the home in the normal way would net the servicer and myself positively. An auction would do no such thing. Our family was hit hard during the pandemic. My place of business ultimately went bankrupt, and my wife lost her business. We also have a XXXX XXXX XXXXXXXX year old that we have had to do some things for financially that we were not expecting which has worked to set us back as well. Ive been able to secure good work again, and my wifes XXXX has started back up again so we can make extra payments to pay back the outstanding balance. We could even put a lump some down which Ive explained to Fays representatives but it seems they are determined to foreclose. We are going to try and file a law suit and TRO Monday. If stopped I am hopeful Fay will work with us better.

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: TN

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally request a review and removal of the charge-off status associated with the above-referenced account, which appears on my credit report. This charge-off occurred during or in the wake of the XXXX pandemica time when widespread hardship was recognized by both federal law and financial institutions alike.

According to Section 4021 of the CARES Act, creditors who provided forbearance or other accommodations were required to continue reporting accounts as current if they were current before the arrangement and the borrower met the terms of the new agreement. If any form of assistanceformal or informalwas extended, or if one should have reasonably been offered based on my circumstances, then reporting this account as charged off may not have been compliant with the Fair Credit Reporting Act ( FCRA ), which mandates accurate, fair, and substantiated credit reporting. 

Additionally, I have concerns about how relief was selectively communicated and extended during this period. Many customers received flexibility without suffering long-term credit consequences, while othersoften without adequate notice or access to informationwere left to endure punitive reporting. If I had been made aware of my options, I would have acted accordingly to protect my account and avoid a charge-off.

In light of these facts, I am requesting the following : 1. A full investigation and review of the circumstances surrounding the charge-off.

2. Removal or adjustment of the charge-off status as a matter of fairness and good faith, especially considering the challenges of the time
and the unclear communication of relief options.

3. If necessary, I am willing to discuss a pay-for-delete resolution, wherein I would resolve the outstanding balance in exchange for the removal of the charge-off from my credit report. 

I am committed to resolving this matter and restoring my credit, and I trust your institution is equally committed to ethical and accurate reporting. Please respond to this letter within 30 days, as required under the FCRA.

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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally request a review and removal of the charge-off status associated with the above-referenced account, which appears on my credit report. This charge-off occurred during or in the wake of the XXXX pandemica time when widespread hardship was recognized by both federal law and financial institutions alike. 

According to Section 4021 of the CARES Act, creditors who provided forbearance or other accommodations were required to continue reporting accounts as current if they were current before the arrangement and the borrower met the terms of the new agreement. If any form of assistanceformal or informalwas extended, or if one should have reasonably been offered based on my circumstances, then reporting this account as charged off may not have been compliant with the Fair Credit Reporting Act ( FCRA ), which mandates accurate, fair, and substantiated credit reporting.

Additionally, I have concerns about how relief was selectively communicated and extended during this period. Many customers received flexibility without suffering long-term credit consequences, while othersoften without adequate notice or access to informationwere left to endure punitive reporting. If I had been made aware of my options, I would have acted accordingly to protect my account and avoid a charge-off. 

In light of these facts, I am requesting the following : 1. A full investigation and review of the circumstances surrounding the charge-off.

2. Removal or adjustment of the charge-off status as a matter of fairness and good faith, especially considering the challenges of the time and the unclear communication of relief options.

3. If necessary, I am willing to discuss a pay-for-delete resolution, wherein I would resolve the outstanding balance in exchange for the removal of the charge-off from my credit report. 

I am committed to resolving this matter and restoring my credit, and I trust your institution is equally committed to ethical and accurate reporting. Please respond to this letter within 30 days, as required under the FCRA.

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 card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
In the past year or so since the XXXX XXXX XXXX Credit Card was switched over to new payment platform with Comenity Capital Bank I have been unable to pay my credit card balance. Every time I have attempted to do so, the website fails to populate, citing an error of the website itself. I have noted several other customers receiving the same error. When I finally got through one page to the login, the new website could not register my old login. I was never notified that anything had changed with my account prior to their change in platform. I attempted to reset my login and waited for what ended up being nothing. I have tried several times over the last few months to populate the website and login and it always fails. And yet, although this is the fault of Comenity, as stated in the browser error and by the website itself, I am still being charged interest on a card I simply can not pay the balance of. Again, I repeat this is the case of many people. These are unjust and illegal practices by Comenity Capital Bank with all those forced to use their services after obtaining an XXXX credit card. We did not choose to switch platforms, we were not given notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> Experian XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Dispute of Fraudulent and Inaccurate Reporting XXXX XXXX XXXX XXXX ( Multiple Accounts ) To Whom It May Concern, I am writing to formally dispute multiple fraudulent and inaccurate entries listed on my Experian credit report from XXXX XXXX XXXX XXXX. These entries are in violation of the Fair Credit Reporting Act ( FCRA ) and must be corrected or removed immediately. 

Specifically : 1. There are three separate entries for XXXX XXXX XXXX XXXX with different account numbers, all reflecting the same balance. 
These accounts are being inaccurately reported as credit card accounts, which they are not. This is a misclassification of the account type. 
Each account is marked as charged off, yet still reflects an outstanding balance, which is improper and deceptive. 
Pursuant to credit reporting guidelines, once an account is charged off, the balance should either reflect {$0.00} or be transferred to collections. Continuing to show a balance under the original creditor is both misleading and potentially unlawful. 
The presence of three accounts with identical balances from the same creditor further indicates duplicate reporting or erroneous data entry, and harms my creditworthiness unfairly. 
XXXX. XXXX. 
XXXX. Additionally, I previously disputed these entries, but the investigation conducted by Experian was neither reasonable nor thorough, as required under FCRA Section 611. Failing to correct clearly inaccurate and duplicated information demonstrates noncompliance with federal law. 
I am demanding that Experian : Delete all three inaccurate XXXX XXXX XXXX XXXX accounts from my credit report. 

Remove all outstanding balances shown on these charged-off accounts, per legal and reporting standards. 

Provide a detailed written response confirming the results of your investigation, along with an updated copy of my credit report. 
If this matter is not resolved within the 30-day window as required by law, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ) , and reserve the right to pursue legal action for continued willful noncompliance. 
Sincerely, XXXX XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> Experian XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Dispute of Fraudulent and Inaccurate Reporting XXXX XXXX XXXX XXXX ( Multiple Accounts ) To Whom It May Concern, I am writing to formally dispute multiple fraudulent and inaccurate entries listed on my Experian credit report from XXXX XXXX XXXX XXXX. These entries are in violation of the Fair Credit Reporting Act ( FCRA ) and must be corrected or removed immediately. 

Specifically : 1. There are three separate entries for XXXX XXXX XXXX XXXX with different account numbers, all reflecting the same balance. 
These accounts are being inaccurately reported as credit card accounts, which they are not. This is a misclassification of the account type. 
Each account is marked as charged off, yet still reflects an outstanding balance, which is improper and deceptive. 
Pursuant to credit reporting guidelines, once an account is charged off, the balance should either reflect {$0.00} or be transferred to collections. Continuing to show a balance under the original creditor is both misleading and potentially unlawful. 
The presence of three accounts with identical balances from the same creditor further indicates duplicate reporting or erroneous data entry, and harms my creditworthiness unfairly. 
XXXX. XXXX. 
XXXX. Additionally, I previously disputed these entries, but the investigation conducted by Experian was neither reasonable nor thorough, as required under FCRA Section 611. Failing to correct clearly inaccurate and duplicated information demonstrates noncompliance with federal law. 
I am demanding that Experian : Delete all three inaccurate XXXX XXXX XXXX XXXX accounts from my credit report. 

Remove all outstanding balances shown on these charged-off accounts, per legal and reporting standards. 

Provide a detailed written response confirming the results of your investigation, along with an updated copy of my credit report. 
If this matter is not resolved within the 30-day window as required by law, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ) , and reserve the right to pursue legal action for continued willful noncompliance. 
Sincerely, 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/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: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
In XXXX, I purchased a XXXX vehicle through XXXX, financed by Bridgecrest. Within 90 days, the vehicle experienced major mechanical failuresincluding a failing high-voltage battery, worn tie rod ends, and damaged bushingsdespite being sold as fully inspected under XXXX  XXXX inspection. 

The repairs exceeded {$4000.00}, and although XXXX covered most of the costs under their 90-day limited warranty, this situation constituted material misrepresentation and a potential violation of implied warranty of merchantability. A vehicle in this condition should not have been sold as safe or inspected. 

In XXXX, following continued issues and discussions with XXXX and Bridgecrest, I was told the vehicle would be picked up and the loan contract would be voided. I requested that this agreement be sent to me in writing via email for my records. XXXX agreed to send documentation, but it was never provided. While I was out of town, the vehicle was removed from my property by XXXX as discussed. 

I received no further billing, no collection notices, and was under the clear impression the account was closeduntil recently, when I discovered that Bridgecrest has continued to report the loan as active, past due, and eventually repossessed. This is factually inaccurate. The vehicle was surrendered voluntarily under an agreement that the contract would be voided, not forcibly repossessed. 

Additionally, XXXX ownership has changed, and XXXX has entered bankruptcy proceedings, raising serious doubts that any documentation of this agreement still exists.

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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief