vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
Every time I have tried to contact them to speak to an agent they consistently send me to another agent, and no one is able to answer something as simple as what options I have or what options might be best for me to avoid missing a payment or defaulting on my loan. All they do is try to send me information about tapping into MY home equity which I can not do because my credit score is not good enough. I am enrolled in a debt relief program, and I am trying to keep at least my house payments made on time, but I am struggling and no one is willing to listen or offer options

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: NC

Complaint narrative:
I am submitting this complaint due to materially inaccurate credit reporting of a tradeline that should have been deleted, per confirmation from the debt buyer ( XXXX XXXX XXXX ). 

The original creditor, XXXX XXXX, sold/assigned the account to XXXX XXXX XXXX XXXX XX/XX/XXXX. However, the tradeline on my credit report is still being reported by XXXX as a Charge-off, despite having a {$0.00} balance and being sold a violation of FCRA 623 and Metro 2 guidelines. 

I filed a complaint previously and XXXX responded stating that the tradeline was submitted for deletion on XX/XX/XXXX, with XXXX  numbers XXXX and XXXX. 

Despite this, XXXX is still furnishing data to the CRAs ( XXXXTransUnion ), continuing to report a derogatory Charge-off status, which is misleading, inaccurate, and harming my credit profile. Under FCRA and Metro 2, a debt that has been sold and is {$0.00} balance should be reflected as Closed/Transferred, {$0.00} Balance NOT an active charge-off. 

I am requesting immediate oversight by the CFPB to compel both XXXX and the CRAs to : Cease reporting this tradeline, Investigate this FCRA 623 ( a ) ( 1 ) ( A ) violation, Provide written verification of deletion, Review potential CRA violations under FCRA 611 for failure to reasonably investigate prior disputes. 

This issue has persisted since XX/XX/XXXX despite formal requests. If this is not resolved, I will consider additional action under FCRA 616617 for damages and legal costs.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I checked my credit report this morning and was extremely frustrated to see that the inaccurate late payments are still there. I have no idea why they remain, and I want this to be fixed immediately. Please review all the documents I sent so I can finally have peace of mind.

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 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CFPB XXXX Hi, I am not able to find this case complaint in my account. 
The credit card company should be fighting this charge on my behalf. 

Originally, this complaint was filed under my XXXX old mother, XXXX XXXX XXXX XXXX All documentation is there. In summary, my mom was charged for a service by XXXXXXXX XXXX XXXXXXXX {$4100.00} in which she did not receive any service of ( tire sensor, tire pressure lights, brake system, abs, lights ). In fact, I made several subsequent charges to repair the car ( {$2700.00}, {$2100.00}, {$480.00}, {$270.00}, {$1000.00}, etc. ). I would like to my credit back from XXXXXXXX XXXX XXXXXXXX. They kept the car for a couple of months, and the Department of Consumer Affairs Bureau of Automotive Repair sided with my mother. I had submitted a receipts showing XXXX XXXX the concerns ( i.e. tire dashboard lights and brake lights ). After my mother paid, the lights came on again, and in fact the car was in worse condition : the brakes were locking. 

This is new information where Citibank Billing Dispute agreed that that credit should be permanent. My mother is on my account, and I make all the payments, That letter was issued to me. But the XXXX conditional credits were revoked. I called Citibank and asked the Billing Disputes Agent ordered an audit because she was confused as well. 

Attached are the letters and emails that confirm I called.

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 monetary relief
Consumer complaint received 2025-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX for continuing to report a bankruptcy on my credit report that is unverifiable and should have been removed under the Fair Credit Reporting Act. According to FCRA 611 ( a ) ( 1 ) ( A ), a credit reporting agency must conduct a reasonable investigation when a dispute is submitted, and under 611 ( a ) ( 5 ) ( A ), any disputed item that can not be verified must be deleted within 15 days. Despite receiving my certified mail dispute tracking # XXXX XX/XX/year> by XXXX XXXXXXXX dispute, XXXX XXXX XXXX continues to report a public record bankruptcy I have a letter and report excerpt from XXXX confirming that the bankruptcy record has been removed and no longer exists in their system. This directly contradicts XXXX XXXX XXXX ability to verify this public record. Further, I have an email from XXXX that further states they do not provide any reporting to third party agencies. This is a violation of the FCRA, and I am requesting immediate removal of the unverifiable bankruptcy. XXXX continued reporting of this inaccurate and unverifiable information is causing harm, deny of credit and housing and will be escalated to the XXXX XXXX  Attorney Generals Office if not corrected promptly. I ask the CFPB to enforce my federal rights by forcing XXXX XXXX XXXX to permanently remove the disputed bankruptcy. They need to utilize the letter package they signed for in XX/XX/year> for their 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 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OR

Complaint narrative:
Good day. I can not emphasize enough how frustrating and exhausting this situation has been. I recently discovered a debt being reported under my name that I know absolutely nothing about. This account is unverified and does not belong to me. On top of that, I have been receiving constant harassment through multiple communication channels, including threats of legal action, which is extremely distressing and unacceptable. As a law-abiding citizen, I find this a blatant violation of my consumer rights, and it has taken a serious toll on my mental and emotional well-being. I have been losing sleep over this issue for days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-10-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
CFPB Complaint Text I rented a car from XXXX ( XXXX ) on XX/XX/year> for {$510.00} on my Chase credit card. 
XXXX later confirmed XXXX refunds : {$190.00} ( price difference ) and {$200.00} ( security deposit ). Neither refund has posted to my Chase account. 

XXXX states the refunds were sent. 
Chase customer service refuses to help, claiming they did not receive any refund, and my calls to the Claims Department are frequently disconnected before resolution. 

I am requesting CFPB assistance to ( XXXX ) ensure the {$190.00} + {$200.00} are credited, and ( XXXX ) review Chases handling of my claim and its repeated disconnections. I can provide receipts and XXXX confirmation showing the refunds were issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: OK

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 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 2025-10-14 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: OK

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 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 2025-10-14 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: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
Complaint Summary : This complaint is filed under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding multiple XXXX XXXX, RentDebt Automated Collection, and XXXX XXXX XXXXthat have reported inaccurate, unvalidated, or duplicative rental-related as well as extortionate tradelines on my consumer reports. 

Despite formal written disputes and validation requests, these furnishers have continued to report the accounts without providing any legally required documentation such as a signed lease agreement, payment ledger, or consent authorization. This failure violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or should know is inaccurate. Furnishing data without verification of tenant consent or the existence of a lawful lease constitutes negligent and willful non-compliance.

Under 15 U.S.C. 1681i, the consumer reporting agencies were required to conduct a reasonable reinvestigation within thirty ( 30 ) days of dispute and to delete or correct any information that could not be verified. The continued appearance of these tradelines, without substantiation, demonstrates the failure of both the furnishers and the credit bureaus to meet their statutory duties. 

Furthermore, the data reflected on my report shows discrepancies in move-in and move-out dates, inflated balances, and possible duplicate reportingeach a direct violation of 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy. These ongoing inaccuracies are causing measurable harm through credit denials and reputational damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: FL

Complaint narrative:
I am really upset to see that the inaccurate late payments continue to appear on my credit report even after checking again today. They were not removed when I refreshed the page, and I want this issue resolved right away. Kindly go over the documents I provided carefully so I will not have to stress over this anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
A gentleman with a unknown name claiming to be representing wells Fargo from the phone number ( XXXX ) XXXX EXT XXXX Claiming that I wrote a hot check and committed social security fraud. The only loan I had from wells Fargo was a loan to purchase a RV back in XXXX  I had never written a check and I never received social security. 
He would not provide his name or the company he was working for. He threatened to take me to jail for non-payment and also called my XXXX XXXX and XXXX XXXX and threatened to take them to jail XXXX. if payment couldn't be made. My mother and Aunt are only contact references they are not cosigners. and have no obligation or involvement with the loan. 
I informed the man I'm XXXX / XXXX and currently have no money. He told me good luck. and right after attempted to contact my aunt XXXX a XXXX time after hanging up with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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:
THE LATE PAYMENT INFORMATION IS FALSE AND SHOULD BE DELETED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: GA

Complaint narrative:
This company is in violations. The company is listed on my credit report as a charge off but it also has a balance. This is an factual error and it is affecting my credit negatively.

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 2025-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This company is in violations. The company is listed on my credit report as a charge off but it also has a balance. This is an factual error and it is affecting my credit negatively.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc
State: GA

Complaint narrative:
This {$10000.00} account from Hunter Warfield, on behalf of XXXX XXXX XXXX XXXX XXXX, is being reported inaccurately on my credit report. The balance is connected to a burst pipe that occurred while I was a tenant, which was a property maintenance failure and not caused by me. When maintenance first responded to the flooding, they failed to properly shut off the water and had to return hours later to correct the issue. The unit also had pre-existing holes and damage that contributed to the water problem. The thermostat was consistently maintained at or above XXXX, in full compliance with lease requirements. 

The damage was caused by plumbing and maintenance failures that were the landlords responsibility. Despite this, XXXX XXXX XXXX issued a XXXX Notice to Quit, which only lists unverified allegations and was never followed by a court judgment or legal determination of fault. This notice does not prove tenant negligence or legal liability. 

I have attached supporting documentation, including email correspondence with XXXX XXXX XXXX confirming their awareness of the maintenance issues and their approval for us to remain in the unit through XX/XX/year>. These records show we were cooperative and followed all procedures. 

This debt was later sent to collections and reported as valid, without verification or due process. This inaccurate account has severely harmed our ability to obtain housing. I am requesting a full investigation and removal of this tradeline from my credit report if the furnisher can not provide verified proof of legal responsibility or a court judgment establishing this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX  # XXXX -Date Opened XX/XX/XXXX -Balance {$350.00} XXXX XXXX # XXXX -Date Opened XX/XX/XXXX -Balance {$290.00} XXXX 'S XXXX # XXXX XXXX XXXX XXXX {$410.00} XXXX # XXXX -Date Opened XX/XX/XXXX XXXX XXXX # XXXX -Date Opened XX/XX/XXXX -Balance {$510.00} XXXX XXXX # XXXX -Date Opened XX/XX/XXXX -Balance {$610.00} XXXX XXXX # XXXX -Date Opened XX/XX/XXXX -Balance {$7500.00} XXXX XXXX # XXXX -Date Opened XX/XX/XXXX -Balance {$880.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief