vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO

Complaint narrative:
We were planning on changing our insurance company due to the ( now previous ) company raising rates by a huge amount. We reached out to PennyMac in writing to not pay the bill to the previous company. They have manipulated their web site to send notification some times when they have new messages, but not always. In this case they did not notify us that they replied and had an antiquated and obscure way set of procedures, even though we put in writing our request, they wanted to add multiple additional steps to the process that we did not receive notification of until after they already sent the money out. Now we are struggling to get the money back from the insurance company, and Pennymac has raised our mortgage by about {$500.00} a month to cover the increase in escrow due to their failure to accept written instructions. Further, if we ever receive the money back from the insurance company PennyMac requires a full payment of the escrow shortage to reduce the monthly payment. In the past we tried to pay a portion and they would not update it. They also sent us a message that we can request an out of normal cycle review of the escrow, but in the past when this was requested they refused to do so, even though it is my understanding that by law they are required to. 
I also made a request that they mail a copy of all email responses and they have not done so. 
Despite my request that they provide me with all regulators names they waited until a 3rd request to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: NC

Complaint narrative:
Charged-Off Account in Dispute I dispute the accuracy of the following charged-off account on my Experian credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Reported : {$2700.00} This account is being reported as charged off, but I dispute the accuracy of the balance, status, and reporting history. I am requesting Experian verify this account directly with the furnisher, including proof of the amount owed, date of first delinquency, and whether the account is being reported in compliance with the FCRA. If it can not be fully verified, it should be corrected or removed. 

Inquiry in Dispute I do not recognize or recall authorizing the following inquiry : XXXX XXXX XXXX XXXX XX/XX/XXXX Please provide proof of permissible purpose. If authorization can not be verified, this inquiry should be removed. 

Late Payments in Dispute I dispute the late payment reporting on 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  The late payment history reported appears inaccurate or incomplete and requires verification. If the information can not be substantiated, it should be corrected or deleted.

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 2025-12-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MD

Complaint narrative:
My loan started effective XXXX XXXX. I called to make an initial payment but was told I was not allowed to make a payment yet. I had to wait for the payment information to transfer. But I was told interest would start accruing immediately. This is unreasonable. If daily interest is accruing, I should be allowed to make a payment. I spoke with the Customer Service manager ; XXXX and he told me making a payment at this time was impossible. He told me this is how loans work, the bank is allowed to collect interest with no payment recourse. Basically, I need to wait 5 or more business days while the bank collects daily interest and prevents me from making payments. The fair and reasonable solution is to start interest on the same date that payments are accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: IL

Complaint narrative:
I reached a settlement agreement of {$9000.00} on my XXXX account through XXXX legal counsel, with a payment deadline of the end of XXXX. 

After the agreement was reached, a government shutdown caused an unexpected interruption in my income, making it impossible to meet the original XXXX deadline. This hardship was involuntary and temporary. 

I immediately contacted the law firm in good faith to request a short extension of time so I could honor the agreed settlement. I did not refuse to pay and made clear my intent to satisfy the agreement. 

The law firm has refused to accommodate or escalate my request despite the documented hardship and the fact that the settlement had already been agreed upon. 

I am requesting that XXXX review this matter directly, approve a reasonable extension of the payment deadline, and instruct its counsel to pause enforcement while the extension is reviewed. I am seeking to complete the agreed {$9000.00} settlement in good faith, not avoid payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I am submitting this complaint as a continuation of an unresolved issue previously raised with the CFPB regarding Credit Acceptance Corporation and account number XXXXXXXX XXXX XXXX XXXX XXXX 

I filed CFPB Complaint No. XXXX concerning inaccurate credit reporting during a COVID-19 payment accommodation. Credit Acceptance responded but failed to correct the inaccurate reporting, and the issue remains unresolved. 

In XX/XX/XXXX, I contacted Credit Acceptance before my account was past due after being financially impacted by the COVID-19 pandemic due to my employment being shut down. Credit Acceptance provided a COVID-19related payment accommodation, which I accepted and complied with. 

Under Section 4021 of the CARES Act, when a furnisher provides a COVID-19 accommodation and the consumer complies with its terms, the furnisher must report the account as current ( or maintain the account in its pre-accommodation status ) during the accommodation period. 

Despite granting the accommodation, Credit Acceptance continued to report the account as delinquent and failed to update the account to reflect the CARES Act accommodation. In its response to my prior CFPB complaint, Credit Acceptance stated that its accommodations do not change how we report your account to the credit bureaus and that reporting is based on the original contract. This position directly conflicts with CARES Act reporting requirements. 

In XX/XX/XXXX, Credit Acceptance notified me that the accommodation period had ended and that payments would revert to the original agreement. However, Credit Acceptance has never corrected the historical reporting to reflect the account as current during the accommodation period. 

This continued reporting is inaccurate and misleading and violates the CARES Act and the Fair Credit Reporting Act. Credit Acceptance has now confirmed that it knowingly reports accounts according to original contract terms even when a COVID-19 accommodation is in place. 

I am demanding that Credit Acceptance : Remove this inaccurately reported account from my credit profile, or Correct the account history to reflect that the account was current during the COVID-19 accommodation period, in compliance with 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 2025-12-23 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 am writing to dispute the following information on my credit report, which was provided by your agency on XXXX. I believe that the information listed below is either inaccurate, incomplete, or may be a result of a data breach. Please investigate and correct any errors in accordance with the Fair Credit Reporting Act ( FCRA ). 
Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status : Positive Discrepancy : No discrepancies were noted for this account, but I request confirmation that no unauthorized changes have been made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Status : Positive Discrepancy : Please verify the integrity of this account for potential data breach concerns. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status : Positive Discrepancy : Please confirm no breach has affected this account 's reporting. 
XXXX. Department of EducationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Status : Open Discrepancy : Reported as XXXX Days Past Due, with 90 Days Late payments. These entries are inaccurate ; I request corrections. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Status : Collection Discrepancy : The reported balance of {$1400.00} is inaccurate. This account was disputed, and it appears open. Please update the status to reflect the dispute. 
Violations of the Fair Credit Reporting Act ( FCRA ) Under FCRA 1681e ( b ), all information reported must be accurate and complete. The accounts listed above are not accurate, and I am requesting a thorough investigation of these discrepancies. Please also ensure that your investigation complies with FCRA 1681i, which mandates that disputed items be investigated within 30 days.

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 2025-12-23 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) thatDisputeXXXX $ you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-23 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) thatDisputeXXXX $ you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This late payment record is inaccurate, as I have consistently met my payment deadlines. I urge you to correct this mistake as soon as possible and update my account to reflect the correct information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: IN

Complaint narrative:
I am submitting this complaint to formally request the immediate blocking and deletion of fraudulent information currently appearing on my credit report, in accordance with 15 U.S.C. Section 1681c-2 of the Fair Credit Reporting Act ( FCRA ). 
Despite multiple prior disputes and the supporting documentation already provided, this account continues to be reported, which constitutes a violation of federal law. 
Enclosed is a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC Report Number : XXXX ) as evidence of identity theft. 
Pursuant to 15 U.S.C. Section 1681c-2, once an identity theft report is received, a credit reporting agency is required to block the disputed information within four ( 4 ) business days. This obligation has not been met. 
The account that must be blocked and removed immediately is : XXXXXXXX XXXX XXXX XXXX XXXXXXXX This account does not belong to me and is the direct result of identity theft. Other credit reporting agencies have already deleted this account after being unable to verify its legitimacy. Additionally, the furnisher has failed to provide any signed agreement or verifiable documentation for more than 60 days, confirming that this account can not be validated. 
Nevertheless, EQUIFAX continues to report this account, knowingly allowing inaccurate and harmful information to remain on my credit file. 
This ongoing failure to remove the fraudulent account has resulted in significant financial and personal harm, including credit denials and the inability to pursue essential financial goals such as home ownership. 
I respectfully request that the Consumer Financial Protection Bureau review this matter and ensure compliance with federal law by requiring that this fraudulent account be blocked or removed immediately, and that confirmation of such action be provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: VA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I applied for a balance transfer with JetBlue Mastercard. After being approved JetBlue Mastercard double paid my XXXX XXXX XXXX account. After this mistake my XXXX  XXXX XXXX credit card company sent the double payment in the amount of {$2100.00} back to JetBlue Mastercard also providing their trace reference number and stating they returned back the same way they received it through electronic format bill pay. This was electronically sent back on XX/XX/year>. I have been calling JetBlue Mastercard almost weekly speaking only to managers who can not seem to figure out why the credit in the amount of {$2100.00} has not been credited back to my account. And just tell me its still a pending case. I have my statement from XXXX  XXXX showing the XXXX being sent over along with the trace reference number all provided to JetBlue. Almost 4 months later and JetBlue still has not credited my account.

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 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXX XXXX, California Phone : XXXX Respondent : Bank of America , N.A . 
( XXXX XXXX XXXX Bank of America Credit Card Services ) COMPLAINT SUMMARY I am submitting this complaint regarding Bank of Americas refusal to reconsider a denied credit line increase on my XXXX Visa credit card ( current limit : {$2500.00} ) and the unresolved status of my Cash Rewards credit card application, Application # XXXX, despite the stated denial reason having been fully cured. 

Bank of America denied my credit line increase solely on the basis of no deposit accounts with Bank of America. I relied on this representation and subsequently opened and funded Bank of America deposit accounts and a XXXX XXXX  account with over {$25000.00}, and I am now actively working with a XXXX XXXX  Assistant Vice President. 
Despite curing the only cited reason for denial and maintaining an exceptionally strong credit profile, Bank of America has failed to conduct a meaningful reconsideration or provide a clear, updated adverse action explanation. 

RELEVANT FACTS XXXX Visa credit limit : {$2500.00} Credit line increase denied solely for lack of deposit relationship Deposit and XXXX XXXX accounts opened and funded with XXXX {$25000.00} Cash Rewards application submitted : # XXXX No substantive reconsideration provided after curing denial reason CREDIT PROFILE XXXX XXXX : XXXX No hard inquiries in approximately 14 months Overall revolving utilization : ~1 % Perfect payment history Annual income : ~ {$290000.00} ( XXXX  XXXX XXXX ISSUE Bank of Americas continued denial or failure to reconsider after the stated reason was cured raises concerns regarding fair credit decisioning and transparency. If adverse action remains, Bank of America has not clearly articulated any new or specific reasons supporting continued denial. 

RELIEF REQUESTED Reconsideration and approval of a reasonable credit line increase on my XXXX Visa. 
Expedited review and decision on Cash Rewards Application # XXXX. 
If denied, issuance of a clear and specific adverse action notice identifying the actual reasons relied upon. 

GOOD-FAITH STATEMENT I am actively consolidating assets and financial activity with Bank of America and XXXX XXXX and am seeking fair, accurate, and transparent consideration based on my cured relationship status and demonstrated creditworthiness.

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