vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit report should only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. Its frustrating to see my credit get negatively affected by inaccuracies that arent my fault. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. If you can not certify that all data belongs to me, these accounts and its respective charges must be removed entirely and I need you to address this as soon as possible to prevent further damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
To Whom It May Concern, I am writing to formally demand that LVNV Funding LLC immediately cease all harassing communications regarding the alleged debts purportedly acquired from XXXX XXXXXXXX XXXX XXXXXXXX. and XXXX XXXX XXXX You have contacted me repeatedly, using rotating phone numbers, in what amounts to harassment and intimidationparticularly inappropriate considering I am an active-duty member of the United States XXXX XXXX XXXX 

You are hereby notified that your conduct may be in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692d, which prohibits collectors from engaging in conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Calling multiple times a day from different numbers constitutes such behavior.

Additionally, as a service member, I am protected under the Servicemembers Civil Relief Act ( SCRA ). I demand you honor these federal protections, which require extra diligence and restraint when dealing with members of the military.

Furthermore, I do not acknowledge ownership or liability for the accounts in question. To date, you have not provided adequate validation of these debts. Under the FDCPA 809 ( 15 U.S.C. 1692g ), you are required to provide proper validation of the debt upon request, including : A copy of the original creditor agreement Itemized statements showing how the amount was calculated Chain of custody documents proving you have the right to collect Failure to provide this within 30 days will be taken as confirmation that no such documentation exists, and I will pursue immediate removal from all credit reporting agencies.

Should these aggressive and non-compliant collection tactics continue, I will not hesitate to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), state Attorney General, and potentially seek legal remedies under FDCPA and FCRA for statutory and actual damages.

Demand : Cease all collection efforts immediately and provide full documentation to validate any alleged debt. If you are unable to do so, all references to these accounts must be withdrawn from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

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 non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: KS

Complaint narrative:
In XXXX of 2025 there was an expected rebalancing of my mortgage. I knew that the payment would increase. I had tried paying extra to the company early on in the loan but they kept applying it to the principal and not the escrow. I received an email about my escrow analysis telling me about a rebalance. NEVER did I receive an actual letter telling me about options like making a one time payment to help keep the monthly payment in line. Pennymac was trying to raise my payment by {$1100.00}! I called and talked to a human and finally got a resolution that if I paid a one time payment of XXXX that my new payment would be XXXX. I made the one time payment on XXXX and then paid my new mortgage amount on XX/XX/year>. Pennymac applied the extra money to my principal!!! 
No notice was sent to me no communication from them. When I log on to my account with them it states that my new payment is XXXX!! This loan is only XXXX year old. I have never missed a payment. I tried to send extra money for the escrow account but they kept applying that to principal so I stopped sending extra and just saved it. I have had to call this company over and over again to make sure that they are applying my payment to the areas correctly and time and time again they are not! Pennymac has yet to mail me information about my new loan payment or offer me options of making a one time payment to rebalance my escrow account. They sent emails stating they do not have my correct address? How can this be? I live at the property that you have financed. 
Also during this time I received a notice from trasunison stating that my mortgage balance had increased by {$3700.00}??? How does this happen. Pennymac had no idea how to answer this. 
This the 3rd mortgage I have had in my life. NEVER have I had an issue before this company PENNYMAC!

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

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LoanCare, LLC
State: FL

Complaint narrative:
LoanCare has repeatedly and knowingly reported false information about my mortgage account, resulting in serious and ongoing financial harm.

Several months ago, LoanCare inaccurately reported that I was 90 days late on my mortgagea completely false claim. I had entered into forbearance following a federally declared natural disaster ( a hurricane ), and I was fully compliant with all servicer instructions. That 90-day late mark never should have appeared. After multiple disputes and escalations, LoanCare finally admitted their error and removed the late payment. That false information remained on my report for months and significantly damaged my credit.

Since that time, however, I have been trapped in a new cycle of damage caused by LoanCare continuing to report my account as " consumer disputes this account '' even though I am not disputing it.

I have formally withdrawn any dispute and have submitted multiple requests to LoanCare to remove this remark. It was removed once, then later re-added without my consent or knowledge. Despite repeated notices, LoanCare continues to furnish this inaccurate information to the credit bureaus, in direct violation of the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ). 

On XX/XX/2025, I called LoanCare again to demand correction. The agent confirmed the following : They received my prior request to remove the dispute remark They will take " 30 days '' to investigatebut can not guarantee the remark will be removed They have no system in place to prevent re-reporting of the dispute remark I made clear this is not a dispute. It is a correction of false and misleading credit data. LoanCares refusal to take responsibility or correct the issue is actively harming me. Since the original false 90-day late, I have had flawless creditno missed payments, no derogatories, nothing. I maintain a high credit score and am meticulous with my accounts.

Yet this dispute remark is now : Blocking me from securing a mortgage Causing repeated denials of business credit Undermining my financial goals and credibility I believe LoanCare is engaging in systemic abuse of the credit reporting systemignoring clear correction requests, recycling removed errors, and refusing to acknowledge the impact this has on consumers.

I am preparing a lawsuit to recover damages under the FCRA and am preserving all communications, screenshots, denial letters, and call logs. This is not just a clerical errorit is an ongoing pattern of harm. I ask the CFPB to hold LoanCare accountable for their willful misconduct.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently reviewed my credit report and was shocked to see that I have been a victim of identity theft.I would like for these accounts to be removed because they are hurting my credit and are stopping me from obtaining credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Constantly being harassed with non stop phone calls, letters in the mail, served papers, and no response from the company. The debt hasnt been verified and I have no knowledge of the debt. They served me papers for {$1700.00}, which Ive repeatedly messaged and disputed with them that is not mine. Dont you think I wouldve paid a little {$1700.00} if I owed it?? Absolutely ridiculous. Had to get a lawyer involved because I get calls everyday, tried multiple do not call lists. These people are absolute cowards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: EQUIFAX, INC.
State: OH

Complaint narrative:
My credit report should only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. Its frustrating to see my credit get negatively affected by inaccuracies that arent my fault. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair and I need you to address this as soon as possible to prevent further damage.

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

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 2025-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: WV

Complaint narrative:
Someone took over XXXX XXXX XXXX and XXXX XXXX out of my account and chime always denies me the refund back they always say no error I'm tired of them keeping it and always denied

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

Complaint narrative:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Complaint Category : Credit Reporting Incorrect Information Issue Description : Bank of America is reporting an unverified charge-off account ( # XXXX ) with a balance of {$7500.00} that has remained unchanged for over a year without supporting transactional or contractual documentation. This violates FCRA 1681e ( b ), 1681s-2 ( b ) and may constitute misrepresentation under FDCPA 1692e.

________________________________________ Legal Citations : FCRA 1681e ( b ) : Inaccurate or incomplete reporting is illegal FCRA 1681s-2 ( b ) : Requires prompt investigation and correction FDCPA 1692e : Prohibits misleading collection reporting XXXX v. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : Unsubstantiated charge-offs must be removed CFPB XXXX XXXX ( XXXX ) XXXX Bars the reporting of unverifiable, static charge-off data

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 2025-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have a business checking account with Wells Fargo. On XX/XX/XXXX, XXXX, and XXXX I had a series of eight fraudulent online charges hit my account for a total of {$12000.00}. The charges were to bank such as XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX whom I do not have active accounts with. I immediately called Wells Fargo Fraud Services, confirmed the charges were not ACH but rather debit/ XXXX XXXX charges and put in a claim. I had my card cancelled and received a new card. I was informed last night by Wells Fargo that they could not prove fraud in this case and therefore would be closing the claim and sending me a letter shortly. I have been advised by my accountant and legal counsel to file a claim with CFPB while I continue to try and resolve this claim with Wells Fargo.

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 2025-06-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: NY

Complaint narrative:
The CFPB sued XXXX - leading to settlements that forgave hundreds of millions in private XXXXrelated loans. Another settlement in XXXX with XXXX wiped out about {$160.00} XXXX in private XXXX loans. Even if my loan was serviced through Firstmark but funded by one of the sued entities - I am included in one of these settlements. Why are my private loans not forgiven yet?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-06 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: OH

Complaint narrative:
Sent certified and notarized letters on XX/XX/year> to Experian, Transunion, and Equifax for debt verification of six accounts. Each agency is sending back updated info as verified, even though Ive yet to receive the debt verification that I asked for. I asked for several pieces of information for each account and received NONE.

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