vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: SLM CORPORATION
State: NY

Complaint narrative:
I have a private loan from Sallie Mae that I took out in XXXX. I graduated in XXXX. I am a per diem substitute and applied for summer school, but did not receive a job. Right now I am working part time as a gymnastics coach and am making around XXXX $ a month. My bills exceed this because I am paying {$1200.00} in credit card bills a month alone. I have contacted Sallie Mae numerous times before my payment is due ( XX/XX/XXXX ) and they have not been able to help me at all. I stated that I can make a good faith payment of {$50.00} if that helps at all. They stated that because I was just in forbearance that they can't put me on it again and I qualify for the graduated repayment plan which is only {$10.00} cheaper than the full monthly payment. I said again, that I can not afford this and that when I sub in XXXX, I won't be getting my first check until XXXX and hopefully I am called in because I am per diem. I'm not sure what to do, I am trying to do right by this but just don't have the funds right now to pay it and I told them that numerous times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
My husband and I have been dealing with a terrible loan modification process that was never explained fully to us by PennyMac. Then when we finally had someone over to notarize our paperwork, who explained the entire process to us more than PennyMac ever did, they refused to accept the paperwork because it was past the date acceptable. However, we had already filed a complaint and wished that we could have some wiggle room with those dates because I just had a XXXX  XXXX and had not been cleared by my doctor. We requested a date after my doctor would release me for further activity and that is when the notary came out. PennyMac was informed of my medical issue and they have documentation of my XXXX. They did not care about the needs of a XXXX person and now are making my husband and I go through the entire process again. This is proving to be even more XXXX  than the last because unbeknownst to us, PennyMac disclosed that our home was in foreclosure falsely and now we are getting non-stop texts and calls from people trying to scam us, tell us that our house is going up for auction, and so much more. I am still in recovery from my XXXX  XXXX. I have since lost my job because it worked with XXXX and XXXX patients. My husband called PennyMac last night ( XX/XX/year>2025 ) to complain about the harassment and then I get a knock at the front door this morning from someone doing an occupancy check. None of this would have happened if PennyMac had just let us submit the paperwork just a week late because of my XXXX but now it is harassment on a scale that is just unreal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: DISCOVER BANK
State: MD

Complaint narrative:
In XX/XX/year>, a {$3100.00} transaction was processed on my Discover card ending in XXXX without my authorization. The transaction was made through a merchant listed as XXXX XXXX XXXX XXXX, but it was shipped to a business name and address not associated with me, my billing information, or any address on my credit report. I did not make or approve this purchase. 

Discover is attempting to hold me responsible based solely on an IP address they claim was linked to the transaction. However, I used, on numerous occasions, public library computers to access my Discover account due to financial hardshipI did not own a personal computer at the time. I used those computers only to check balances and make payments.

Per 15 U.S.C. 1681s-2 ( b ) and 15 U.S.C. 1666, Discover was required to conduct a reasonable reinvestigation and provide written validation of the charge. They failed to do so. Instead, they relied on a shared public IP address and ignored key red flags, including the mismatched name and the unauthorized shipping address, neither of which match my personal identity or credit file. Rather than performing proper due diligence, Discover allowed this charge to stand without verifying its legitimacy.

The charge was initially declined three times before it was approvedan internal failure on Discovers end, not mine. Despite providing a police report, Discover has continued to hold me liable and has been accruing interest since 2023, which has caused ongoing credit damage and financial harm.

Im requesting : Full removal of the charge Reversal of all interest and fees Correction of any negative information on my credit report tied to this issue Discovers ongoing reporting of this unauthorized transactionwithout validating it or properly investigatingviolates both the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). I am also attaching the official police report for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I signed a written settlement agreement with XXXX XXXX to resolve a defaulted business line of credit account. The agreement set the total owed at {$17000.00}, payable in 36 monthly payments of {$500.00}, beginning XX/XX/XXXX. 

In a message sent by XXXX XXXX on XX/XX/XXXX, the company stated : Once you sign and return the agreement, I will reinstate the account and send over a countersigned copy. 
This confirms the account was reinstated, not settled or newly opened. 

I have made every payment as agreed, totaling {$6000.00} as of XX/XX/XXXX. 
In XX/XX/XXXX, I mailed a formal dispute with full documentation to both Headway Capital and TransUnion via USPS Certified Mail. 
XXXX XXXX confirms both letters were delivered on XX/XX/XXXX to Headway in XXXX, IL and to TransUnion in XXXX, PA. 

Despite this, the account is still reported by TransUnion as charged off with a {$71000.00} balance, misrepresenting both the terms of the agreement and my consistent payment record. Headway has failed to respond to the dispute within the required 30-day window under the Fair Credit Reporting Act ( FCRA ), and TransUnion has not corrected the tradeline. 

I am requesting that the tradeline be corrected to reflect the reinstated account status, accurate remaining balance, and ongoing payments made under the agreement.

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 2025-08-06 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( XXXX U.S.C. XXXX ), you are required to block all information resulting from identity theft within XXXX 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, Date Opened : XX/XX/XXXX, Balance : {$240.00} XXXX - Account Number : XXXX * XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$980.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX CRED XXXX Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX CRED XXXX Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX CRED XXXX Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$770.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} XXXX  - Account Number : XXXX * XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX  - Account Number : 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 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
Filed a fraudulent/unauthorized dispute with Chase Bank XXXX XX/XX/year> for an unauthorized {$800.00} ATM withdrawal transaction on XX/XX/year> and they denied it on XX/XX/year> in less than XXXX hours. I was promised XXXX liability on unauthorized transactions and a temporary credit but they did neither.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-08-06 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved .The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian , alleging systemic issues such as failing to forward consumer-provided evidence to furnishers. Accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. Iam requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 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 2025-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
I purchased GMC truck leases for the past several few years, and this year due to the bad reviews GMC has, I was looking into purchasing something that will last years/lifetime. GMC does not have a good reputation of long lasting years for trucks, they have recalls, multiple issues across the board within the first few years so I decided to change and purchase XXXX which has the best reviews for purchasing long term. I received a call/bill for basically another full month payment for " BALANCE DUE AT FINALIZATION '' because I stopped using GMC trucks I am being penalized for not continuing with GMC. I think its an unjust mandatory payment expected from a consumer just because they choose a different route, after all the years i already invested into GMC, I am now being penalized for choosing elsewhere, that is unfair. Although GMC said this is fine miniature print somewhere, it is NOT something discussed with the consumer and IT SHOULD BE. I have to pay A FULL MONTH BILL for a car I don't have anymore. I returned the lease in perfect condition with less miles due. Why would i have to pay this fee, ON TOP of me having to pay already my new car and even worse, its affecting my credit because not paid within the month. The least they could do was trust all the years i paid on time, not to penalize me like this. These cost should be verbally discussed not put in extremely small print that no one is aware of until you end your lease with GMC. Consumers should be made aware of this FINALIZATION balance which is basically a slap to a consumer like myself who used GMC for years paid on time and since i choose a different route they had to get me ONE MORE LAST TIME- NOT FAIR AT ALL

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
After a lease was turned in on time, all payments were made to satisfy the lease, with no overage of miles we were notified by Ford Motor Credit Company that the miles were over and they tacked on fees and charges additionally. Now interest as well. For something we should have not been charged for in the first place. 
We requested a signed odometer statement to prove this from both XXXX and the attorney XXXX XXXX XXXX XXXX. 

We have never received this statement and have attempted many time over the years to clear this matter up. 

Everyone should be aware and take photos of your mileage and get signed documents when turning in a XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: TX

Complaint narrative:
I am filing a complaint because my creditor is reporting 180 days late payments on my account for XXXX ending in XXXX for XXXX & XX/XX/XXXX and XXXX & XX/XX/XXXX that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnisher but the late payments remain without proper validation or documentation. Under XXXX USC XXXX XXXX XXXX A furnishers must report accurate information under XXXX USC XXXX I the credit bureaus must perform a reasonable investigation within 30 days, neither one of them have provided sufficient evidence to support the negative reporting. Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, TitleVI, Section XXXX, Subsection A-D, I have asked that they provide the names and business addresses of each individual with whom they verified the above and the documentation used to verify my dispute and nothing was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: First Technology Federal Credit Union
State: NC

Complaint narrative:
In XX/XX/XXXX, I co signed for someone. The person that I had co signed for became sick with XXXX XXXX ( XXXX  XXXX ) at that time of signing, not I or that person knew that they was ill. I came down with XXXX  it left having to draw social secruity. The car was voluntarily given back. It was put on both of our credit. In XXXX it was taken off my and then put back on in XXXX. I call the company and even written the company. I told them I am drawing social security benefits monthly and I can not efford it and they up the amount from {$10000.00} to over {$12000.00}. They are harrassing me, They have my wrong date of birth. They got a write off on their taxes and did not send me a 1099-c. Write off/ charge off is on the report. I want this off my credit report. Could you please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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:
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 XXXX 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$720.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) 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 XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, 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