vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: FL

Complaint narrative:
I AM SUFFERING SERIOUSLY AS A VICTIM OF IDENTITY THEFT. ALL THIS HAS NOTHING TO DO WITH ME, AND YET I AM THE VICTIM OF THIS ONGOING FRAUD. DAILY, ITS DRAINS MY MENTAL AND EMOTIONAL STRENGTH. THE FEAR, STRESS AND EXHAUSTING HAVE BECOME INTOLERABLE. I AM HELPLESS, AND THIS ORDEAL IS CONSUMING EVERY PART OF MY LIFE. I IMPLORE YOU PLEASE, IN THE INTEREST OF MY WELL BEING BLOCK AND REMOVE THESE SCAM ITEMS INSTANTLY. THE FOLLOWING QUESTION WERE INCLUDED IN THIS FRAUD : XXXX INQUIRED ON XX/XX/year>. XXXX XXXX XXXX INQUIRED ON XX/XX/year>. XXXX XXXX XXXX INQUIRED ON XX/XX/year>. XXXX XXXX XXXX INQUIRED ON XX/XX/year> 2025

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 2025-12-03 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: FL

Complaint narrative:
I AM SUFFERING SERIOUSLY AS A VICTIM OF IDENTITY THEFT. ALL THIS HAS NOTHING TO DO WITH ME, AND YET I AM THE VICTIM OF THIS ONGOING FRAUD. DAILY, ITS DRAINS MY MENTAL AND EMOTIONAL STRENGTH. THE FEAR, STRESS AND EXHAUSTING HAVE BECOME INTOLERABLE. I AM HELPLESS, AND THIS ORDEAL IS CONSUMING EVERY PART OF MY LIFE. I IMPLORE YOU PLEASE, IN THE INTEREST OF MY WELL BEING BLOCK AND REMOVE THESE SCAM ITEMS INSTANTLY. THE FOLLOWING QUESTION WERE INCLUDED IN THIS FRAUD : XXXX INQUIRED ON XX/XX/year>. XXXX XXXX XXXX INQUIRED ON XX/XX/year>. XXXX XXXX XXXX INQUIRED ON XX/XX/year>. XXXX XXXX XXXX INQUIRED ON XX/XX/year> 2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
I purchased my home here in XXXX in XXXX for $ XXXX at a rate of XXXX and payments of $ XXXX escrow included. New years XXXX I got very I'll of and on and got behind on a few payments. I'm a XXXX veteran and I been in and out the hospital for months. I spoke to a rep after being XXXX months behind and she said I could be put in this " Pandemic Relief Program '' where any payments I miss during the program, the payments would be put at the end of my loan when the program ends. Was behind about XXXX payments, but they made it look like XXXX payments and then told me that I had to pay it all in full or they would start the foreclosure process. Some woman named XXXX told me I had to pay in full or modify my loan. Being a XXXX time home buyer I was under pressure. I couldn't come up with XXXX even if I sold my car. I was pressured into modifying and at the time my credit score had dropped due to my job not letting me use my leave while out sick from time to time. I ended up modifying. My rate went from XXXX to a XXXX and my mortgage went from {$1500.00} to {$1600.00}. XXXX split my VA loan up so I owe them $ XXXX and the VA $ XXXX. My issue is, I've been in my home for 5 years and now that I want to sell, PennyMac says my balance is still $ XXXX. I'm so confused because when I call and talk to PennyMac 's representatives, they can't give me any information on how this modification works and what my start and present balance is. There's no way my balance should still be the same after 5 years. I know property taxes and home owners insurance is high, but something isn't right. Peny mack is getting 6.500 % off a $ XXXX loan and the VA ain't getting anything yet. Something just feels unethical. They should only get 6.500 % of what I owe them, not the VA 's part. This is such a scam. They split the loan and taken a percentage from the VA as well and I still have to pay the VA later. So unethical. I feel like I'm being scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My business credit card limit was reduced without any prior notice or reasonable explanation. This reduction happened immediately after I made XXXX large payments totaling {$2000.00} within XXXX hours. My account is in good standing, with consistent on-time payments and a decreasing balance. I have made significant efforts to responsibly manage and pay down this account. The unexpected credit limit decrease negatively impacts my business operations and appears to have been triggered in error or without proper review. I respectfully request that the previous credit limit be restored and that the company provide a clear explanation of why this reduction occurred despite substantial recent payments and responsible account activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: AZ

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 2025-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Panorama Mortgage Group, LLC
State: AZ

Complaint narrative:
In XXXX and XXXX, my mortgage servicer reported multiple late payments during months when I was in an approved hardship forbearance program and active loss-mitigation review. These months included XXXX, XXXX, and XX/XX/XXXX and XXXX through XX/XX/XXXX. Under federal law, payments that fall within an approved accommodation, forbearance, or pending loan-modification review can not be reported as late. 

I submitted documentation to the servicer showing the approved forbearance periods, loss-mitigation status, and confirmation of completed modification documents. Despite this, the servicer furnished late payments to Experian, TransUnion, and Equifax for all the months listed above. 

I previously filed CFPB Complaint # XXXX. The servicer responded that they made corrections, but they only adjusted a single month and failed to correct or remove the inaccurate late payments for the rest of the affected months. As of today, all three credit bureaus still show late-payment reporting for XXXX, XXXX, and XX/XX/XXXX and XXXX XXXX, even though these payment months were covered by an approved forbearance or active workout review. 

During these periods, I followed all requirements, completed all requested documents, and was under approved loss-mitigation arrangements. The servicer also acknowledged internal delays in processing and funding my modification, which were outside my control. Despite this, they continue to furnish derogatory credit information that is inaccurate under the CARES Act amendments to the FCRA and mortgage-servicing rules. 

I am requesting that the inaccurate late-payment reporting for the months listed above be corrected or removed across all three credit bureaus, and that the servicer provide accurate credit reporting for all periods in which an accommodation or forbearance was active.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: VA

Complaint narrative:
On XXXX separate occasions, XXXX XXXX XXXX failed to properly service my student loan by not processing my requests for an Economic Hardship Deferment and instead steering me into costly forbearances. First Incident XX/XX/XXXX In XX/XX/XXXX, I submitted an Economic Hardship Deferment request and provided the required documentation, including my federal and state tax returns. XXXX received my tax documents on XX/XX/XXXX at XXXX AM. Despite this, XXXX denied my request on XX/XX/XXXX citing missing tax documentation. I do not have call logs from this period, but the deferment should have been approved based on the documentation provided. The denial letter was signed only as Customer Service. As a result, I was placed into forbearance instead of an eligible deferment. Second Incident XXXX XXXX My next Economic Hardship Deferment request, submitted on XX/XX/XXXX, was also mishandled. I later obtained XXXX internal call notes through a subpoena issued in XX/XX/XXXX. These notes show a pattern of contradictory and inconsistent decisions : XX/XX/XXXX : Request denied, Lack of Tax Return XX/XX/XXXX : Request approved XX/XX/XXXX : Request denied, Various Reasons XX/XX/XXXX : Request approved XX/XX/XXXX : Request denied, Granted in Error After a month of conflicting decisionsduring which I had already provided all required documentationXXXX offered forbearance on XX/XX/XXXX, which I felt I had no choice but to accept. This pattern demonstrates improper servicing and a failure to process my deferment request accurately and timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
The data shown does not provide a comprehensive or accurate account of my financial performance. I therefore request an official investigation and any necessary revisions to correct the record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: TrueAccord Corp.
State: FL

Complaint narrative:
Im receiving frequent automated collection emails from TrueAccord Corp about a XXXX XXXX account. XXXX still reports the balance as {$900.00} on my credit report, but TrueAccord claims I owe over {$1000.00}, even though they are not listed anywhere on my credit file as a collector. 

TrueAccord contacts me repeatedly, often multiple times per week, and some of the emails arrive before XXXX XXXX  and on weekends. The subject lines are pushy and emotionally charged ( Dont skip this email, Do it for yourself, etc. ), which feels harassing and unprofessional. 

I want confirmation of the correct balance and for the repeated early-morning and weekend contact to stop. XXXX still owns the debt and reports the correct balance, so I dont understand why a third party is contacting me this often with a higher number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
on XXXX, a deposit was made from check {$860.00}, using a mobile app deposit. The check was cleared, and no issues. The next day, today XXXX, the check was taken away, due to " XXXX XXXX Correction. '' I called USAA, I am unable to cancel the check, I am unable to re deposit the check, and I am not guaranteed to be able to ever get the money back, that USAA took away. They said " the pictures of the check, weren't sufficient. '' This is a USAA flaw, not my fault. They said it has been escalated but no guarantee I will ever get the money back. This is fraud.

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 2025-12-03 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: IN

Complaint narrative:
Disputed Accounts XXXX XXXX  Account # : XXXX ( TransUnion, XXXX  ) Issue : Duplicate derogatory entries and charge-off reporting Violation ( s ) : FCRA 1681e ( b ), 1681s-2 ( b ) XXXX XXXX  Account # : XXXX ( TransUnion ) Issue : Unverifiable debt and outdated charge-off Violation ( s ) : FCRA 1681e ( b ), 1681s-2 ( b ) XXXX XXXX Date of inquiry : XXXX Bureau ( s ) reporting it : TransUnion Issue : Unauthorized inquiry Legal Reference : FCRA 604 - Permissible purposes of consumer reports Personal Info Discrepancies Incorrect names : XXXX XXXX XXXX ; XXXX XXXX XXXX Correct name XXXX XXXX XXXX XXXX Incorrect addresses : XXXX XXXX XXXX XXXX XXXX IN, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN, XXXX Correct address : XXXX XXXX XXXX XXXXXXXX XXXX, IN, XXXX Incorrect birthdates : XXXX, XXXX Correct birthdate : XXXX Cite : FCRA 1681e ( b ) for inaccurate personal info reporting

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 2025-12-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: T.S. Holdings
State: TN

Complaint narrative:
Collector reporting & attempting to collect debt discharged in bankruptcy ( IQ Data XXXX ) I filed for XXXX  XXXX bankruptcy in the Western District of Tennessee, Case No. XXXX. My petition date was XX/XX/XXXX, and my discharge was granted on XX/XX/XXXX. 
XXXX of the debts included and listed in my bankruptcy schedules was XXXX XXXX, my former landlord. This creditor appears clearly on the creditor matrix in my bankruptcy paperwork ( Page XXXX ). 
Despite being officially notified through the court, my landlord appears to have passed the debt to IQ Data XXXX for collection. 

IQ Data IXXXX is now : Reporting the debt to the credit bureaus as open and owed Updating the tradeline AFTER my bankruptcy discharge Attempting to collect the balance Verifying the debt to the credit bureaus when I dispute it Reporting a balance of {$5100.00} as of XX/XX/XXXX This is a direct violation of : Bankruptcy Code 524 discharge injunction FDCPA collecting a discharged debt FCRA inaccurate credit reporting Furnisher duty to investigate ( 15 USC 1681s-2 ) The collector and original creditor both had full legal notice of my bankruptcy, and the debt was clearly discharged. Their continued reporting and verification of this account is causing me financial harm, credit score damage, and emotional distress. 

Timeline : XX/XX/XXXX : Bankruptcy filed XX/XX/XXXX : Bankruptcy discharged XXXX : IQ Data begins reporting the discharged debt XX/XX/XXXX : IQ Data updates the tradeline as open, placed for collection, and with an active balance Disputes with all three bureaus were submitted, and IQ Data verified the debt as owed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
The information displayed is inadequate and incorrectly describes my financial conduct, which may lead to misunderstandings. I am requesting a thorough formal investigation followed by the appropriate corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: CT

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX XXXX XXXX Account Number : [ XXXX XXXX XXXX XXXX XXXX  ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX XXXX XXXX XXXX XXXX XXXX FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I have had Chase XXXX for 20 years, I have never made a late payment in all those years. Around XX/XX/year> I made a XXXX payment. On XX/XX/year> the company lowered my credit limit from {$15000.00} to {$1800.00}. This was devastating to my credit and financial plan. After being a customer for 20 years and never make a late payment, I am shocked

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: AR

Complaint narrative:
I am a consumer who is actively working to repair my credit. Below are the details of the accounts I am disputing. I respectfully request that these issues be investigated and resolved according to the Fair Credit Reporting Act ( FCRA ). Please find the account details separated by each bureau for your reference. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am filing this complaint because [ XXXX XXXX XXXX XXXX  TransUnion ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in XXXX XXXX TransUnion, LLC ( XXXX ), the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in XXXX XXXX TransUnion ( XXXX ), TransUnion paid {$23.00} XXXX  after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : === CHARGE OFF === XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-12-03 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Re : Request for Account Information Account Number : WELLSFARGO - XXXX XXXX XXXX XXXX XXXX Whom It May Concern I am writing to formally request a complete record of the following information regarding the above-referenced account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws : 1. Date the account was opened 2. Date the account was closed ( if applicable ) 3. Date the account was sold or transferred ( if applicable ) 4. Date the account was charged-off ( if applicable ) 5. Date of first delinquency reported 6. Date of last payment received 7. Current balance and balance at the time of charge-off ( if applicable )

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