vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: M&T BANK CORPORATION
State: TN

Complaint narrative:
Discovery and Disclosure In accordance with the 'Rule of Discovery ' and for the purpose of full disclosure, you, XXXX XXXX XXXX are to schedule with me a timely meeting and opportunity for my consul and I to make a thorough physical inspection of the original " Promissory Note ' and the original 'Deed of Trust ' which bears my wet-ink signature and all loan-related documents that adversely affect the associated account number XXXX, as stipulated by law, so as to enable me ( the alleged borrower ) and my consul to physically examine, verify, confirm, and witness the same. The meeting shall be set and concluded to effectuate the above-stated physical examinations and witnessing of all loan-related documents, with the same being orderly arranged, satisfied, and concluded within five ( 5 ) days from your receipt of this dispute. 

Furthermore, you are hereby commanded to produce proof of the following : I. Produce a certified copy of the alleged 'loan agreement ' ( exposing the front and back ) with my signature, complete with any affixations or allocations attached to the same for endorsements ; II. Produce all bookkeeping journal entries and records associated with the alleged 'loan agreement ' ; and III. Produce evidence of your alleged 'allodial title ' or " aboriginal title ' to my inherited ancestral estate in reversion known as XXXX XXXX XXXX XXXX XXXX XXXX Tennessee XXXX which would prove beyond reasonable doubt that you and / or your foreign company, XXXX XXXX XXXX XXXX XXXX XXXX to be the absolute owner of such estate ; and IV. Verify the specific specie in the 'loan agreement ' that was allegedly lent/borrowed, which must be returned as " payment '' : a. gold or silver coins, which would be the lawful money ( dollars ) tendered for payment of debts per Article 1, section 10, clause 1 of the Constitution for the United States of XXXX XXXX XXXX or b. private corporate commercial paper ( Federal Reserve Notes ) or securities ( checks ) which are unconstitutional counterfeit coins and do not constitute payment.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing this complaint because TransUnion is reporting inaccurate and unverifiable information on my credit report. On XX/XX/year>, I identified several accounts that I believe are either outdated, not mine, or can not be verified under the Fair Credit Reporting Act ( FCRA ). 

Please delete the following accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal I submitted a formal dispute to TransUnion requesting that these accounts be fully investigated and removed if not verified with proper documentation. However, I did not receive a meaningful investigation or verification, and the inaccurate information remains on my report. 

I am requesting the CFPB 's assistance to ensure TransUnion complies with federal law, specifically sections 1681i ( reinvestigation of disputed information ) and 1681b ( permissible purpose ). My goal is to have any unverifiable, inaccurate, or unauthorized accounts permanently deleted from my 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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: GA

Complaint narrative:
I am writing to formally dispute an unauthorized hard inquiry on my credit report. According to my records and review of my credit report, I noticed a hard inquiry that I did not authorize.

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 2025-07-31 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not give them written consent to obtain or furnish my information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00} XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: NATIONAL DEBT RELIEF LLC
State: FL

Complaint narrative:
Debt collector called me - I recently turned over about a dozen credit cards to National Debt Relief. 

They said they were with a collection agency and to hold for a XXXX  XXXX. I asked for them to identify who they were and told me : " You are in enough trouble as it is. '' A lady came on the phone and said : " My name is XXXX, I am with the XXXX Police '' ... ( I am XXXX and I am a little hard of hearing, so I can not identify what came before the word, " police. '' ) ... " and I am now recording this conversation. '' I immediately hung up the phone. I was in the XXXX XXXX  years, Combat Security Police - I mostly guarded nuclear weapons ; and I have taken college courses in both criminal and civil law. 

I was fairly certain - at this point - that they were breaking the law, so I hung up the phone. I called a buddy, who is now retired but used to work for the FBI, and he 'ordered " me to report this company. I received the call - on my cell phone- at about XXXX hours, XXXX  ; XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
When my son started college I was a single parent, then I got married and XXXX XXXX said new husband is head of household and because he is you can not use XXXX and have to take out loans. I owned the home, I was the head of household. I was told to co sign, I didn't ask if the loans were federal or private. I did not know what I was agreeing to as my son wanted to go to XXXX university not the community college I could afford to send him to. Future issue, Navient was trying to make me pay {$100000.00} a month as my son was paying over {$600.00} a month. I found a lawyer who said she was advocate for student loans to help lower the payments and had him file a XXXX  XXXX. 5 yrs later we find out that wasn't a good thing to do. Since he filed the chapter, for 5 yrs Navient/ moehla couldn't talk to me and now {$20000.00} has been added as interest. They expect me to pay this loan as he filed a XXXX XXXXXXXX. I am retired with only a small pension. I feel that nothing was explained property in the beginning and I thought my son would be able to make the payments as an adult. He expected the loans to disappear and now this problem is enormous. I had a nervous breakdown because of this. Sure XXXX said for 9 months they will lower the interest and we are paying only {$560.00} a month but I need help. I moved and changed my life as I didn't expect this mess. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC.
State: WI

Complaint narrative:
In XXXX XXXX, I began an active loan modification application with Select Portfolio Servicing ( SPS ). I provided all required documentation and was in regular communication with them during the process. However, without completing the modification or providing a final decision, SPS transferred the loan to a new servicer XXXX XXXX. 

SPS had previously stated they would forward all documents and application materials to the new servicer. That did not happen. XXXX XXXX has since claimed they have no record of any loan modification application being transferred from SPS, leaving me to start over from the beginning. 

This has caused unnecessary delays, increased financial strain, and has led to the denial of loss mitigation options. It appears SPS failed in their duty to properly transfer the modification file, and XXXX XXXX failed to assist in good faith upon receipt of the account. Meanwhile, my mortgage payment was increased to an unaffordable amount with no accurate escrow explanation or legal justification. 

This breakdown in servicing and communication between SPS and XXXX XXXX has directly harmed me and may have contributed to foreclosure actions and the denial of assistance I should have qualified for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: NC

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: PA

Complaint narrative:
After many hours and confusion, Nelnet customer service misguided me and continue to do so. ( XXXX  ) The customer service department told me I could set up additional payments to resolve the balance quicker. I applied excess funds to the account, only to realize almost 2 years later that said excess was applied to the interest. Ideally, I called yesterday XXXX XX/XX/XXXXXXXX  and the customer service representative again advised I MUST take care of the interest first before I can pay towards the principle balance. I was advised I also could not adjust the automatic payment amount and needed to cancel the automation and establish a new one. 

Its been almost 20 years since the I applied from these loans and the most help I received was a deferment during my XXXX  XXXX  military service ( XXXX ; XXXX ) XXXX Unfortunately, that deferments termination was not communicated. These loans were sent to collections. I am a XXXX veteran ( XXXX XXXX  ). I have been trying to get out of this hole for most of my life. I have contacted them numerous times, yet Nelnet made has made obscenely challenging. For no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$150.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$670.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$420.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$910.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$420.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6000.00} XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX  Date : 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 explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
Hello, thank you so much for taking the time to read this. This is my second attempt to hold Navient accountable for their predatory loan practices that resulted in a runaway interest amount that we will never be able to repay. 

I accrued over {$70000.00} beginning with XXXX from XXXX. In XXXX, I was working as a pastor with a very low salary after graduate school, and XXXX XXXX congratulated me because I qualified for a $ XXXX income driven repayment plan. I was convinced that this was my best option, and I was never informed by my representative that I would be accumulating interest on the original loan amount while I was on this $ XXXX repayment plan. Every year, I would call to check in on the state of my loans, and I was told everything was good. Every year that I qualified again for the $ XXXX income driven repayment plan, I was congratulated and celebrated, never understanding that the interest was continuing to accrue at an accelerated rate as my loan amount grew. Again, I was never informed of the large amount of interest that was accruing from the countless reps I spoke with at both XXXX XXXX and XXXX, if I wouldve known, I would have been able to make better decisions regarding the loan. By XXXX, I was asked by a family member about the interest Id accrued over the previous 5 years, and I told them I had qualified for $ XXXX due to my low-paying pastoral positions. They informed me that I was likely still accumulating interest. I then logged into the XXXX  portal, and when I saw the new loan amount, I was sick. I had to dig to find the amount of interest that had accrued, and I saw that my original loan amount went from {$180000.00} to {$250000.00}, I had accumulated over {$75000.00} of runaway interest unknowingly during the time that I had been convinced to pay $ XXXX. It was devastating for my family then, and this runaway interest continues to accumulate in a way that we cant possibly get on top of. Can someone please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
Hi. I have a few things that I need to discuss that keeps on happening on my Credit Report. XXXX XXXX keeps showing up on my report and I never authorize it. I've called the companies directly & they tell me what to do & then I make sure to call the Credit bureaus to let them know the situation that's happening. I called them 2 days ago and that is when they told me to file a FTC. 
Just recently on XX/XX/XXXX, an account with XXXX XXXX was open. That was not me because I make sure to never open any cards. The only credit card I have is affiliated with my bank. Me & Wife make sure to always monitor our credit and finances, and this just keeps happening to me and affects my credit score.

I went on a deployment XXXXXXXX and I came back XX/XX/XXXX. An account from XXXX XXXX was open XX/XX/XXXX & that wasn't me because I was on a Army Deployment. I never gave anyone authorization to do that.

Another thing is Synchrony Bank is still on my credit report as a hard inquiry & that's hurting my credit as well. I've closed to settled it & its been more than 90 days since I've made a resolution & talked to both synchrony & the credit Bureaus. It was closed XX/XX/XXXX. 
XXXX more thing, Fettifht/web is also something I am also confused about. Before I went to deployment I had lost my wallet. I made sure to call the police because someone was trying to use my Army travel card & they tried to take out money which they did but it got reimbursed to us. We made a police report & it was with the XXXX XXXX Police Department. I have a file as well. I did deal with Fraud and Identity Theft. I feel like ever since my information was taken from me, that person was able to use all my personal Info when trying to open accounts and everything. That person who took it was caught on camera at XXXX in XXXX XXXX & made there way to XXXX & tried to use it at a Hotel.

I hope all this information Helps.

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 2025-07-31 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
I received my usual paper bill from Citibank, which I typically discard since I pay everything online. This time, I noticed the envelope looked different, so I opened itand found a notice informing me that Citi was converting my store card account into a XXXX credit card. 

I had to call in to request that this upgrade not take place and to ask that I be permanently opted out of any future attempts to convert my account. The representative told me that Citi reserves the right to offer a XXXX conversion at any time and that unless I explicitly decline each individual offer, the upgrade will proceed. I asked to speak with a manager. After being placed on hold, the representative returned with the message that I can not permanently opt out and must reject each future attempt as it occurs. 

I explained that this was unacceptable and said I would be filing a complaint with the CFPB. The representative responded, Please do so, and even seemed amused that I took issue with being offered a benefit I had clearly stated I did not want. 

The idea that a bank can repeatedly attempt to change my account typeeven after I have declined onceby simply sending another notice, and then proceed with the change if I miss that notice ( due to moving, mail delivery issues, etc. ), is deeply problematic and unacceptable.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-07-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My father, XXXX XXXX, added me as an authorized user on a capitol one account. He removed me from the account in XXXX of 2025. However, it is still showing up on me report. Can you please remove it?

Company response to consumer: Closed with non-monetary relief