vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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: NY

Complaint narrative:
XXXX. Date Opened : The account shows different opening dates across the XXXX bureaus, which is inconsistent. 
XXXX. High Credit / Credit Limit : Equifax reports a much higher credit limit ( {$3500.00} ) than XXXX  and XXXX  ( {$420.00} ), creating inaccurate information. 
XXXX. Payment Status : The payment history differs : XXXX  shows 30 days late, XXXX  shows 90 days late, and Equifax shows 30 days late. 
XXXX. Date Last Active : The last activity date is inconsistent across bureaus : XX/XX/2025 ( XXXX ), XX/XX/2025 ( XXXX  ), XX/XX/2025 ( Equifax ). 
XXXX. Date of Last Payment : The date of last payment is reported differently, causing inaccurate reporting of late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
On XXXX XX/XX/year>, I called PennyMac and asked a representative to explain the fee and was told that the fee is a property reservation fee of some kind and that I should not be required to pay. He did not know how to remove it and couldn't offer anymore information about it. This is an unprofessional retaliation based on my previous legitimate claims in the past. I've also experienced nothing but rude customer service from all reps that I've contacted since then. At first they made it to where I couldn't use my debit card to make payments forcing me to make ACH payments only. Now they are continually charging me a fee that is increasing each month with no notice or explanation. The fee was initially a late fee of {$25.00} that was assessed months back due to the ACH mandate. I'm not sure why the {$150.00} is showing on my statement as outstanding. Based on what the rep told me, this fee is not legit and I should not be required to pay. I'm not outstanding on my loan and have been current. The responses to my complaints in the pst have all been vague and confusing with no explanation. I requested the information under the Real Estate Settlement Procedures Act within their messaging system on their site due to the rep not resolving my issue. Hopefully this will warrant a response. Any additional assistance would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have reached out to Experian several times regarding a closed XXXX XXXX XXXX. All 3 bureaus are reporting the closing date, credit limit, and opening date incorrect. However, Experian is also reporting a late payment which is incorrect. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq states that : Credit bureaus must maintain accurate and complete information on consumers. 

If you dispute an item, the bureau must investigate within 30 days and correct or delete any information that is inaccurate, incomplete, or unverifiable. 

Reporting wrong account opening/closing dates, credit limits, balances, or payment history counts as inaccurate information. 

Please see attached Credit Reports from TransUnion, Equifax, and Experian. Being that none of the information matches, that account must be removed from ALL 3 credit reports completely.

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 2025-09-30 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: MS

Complaint narrative:
Today IQ called me at XXXX on XX/XX/year> saying they were in charge of a debt from my lease from XXXX XXXX XXXX  which I voluntarily ended. They insisted there was not a payment plan available and I would have to pay {$3700.00} in full or they would have to take collection action. I told them that I do not have any way for that amount. They agreed to take a call at XXXX to give me time to find some sort of resolution. At XXXX they called me again. I told the woman on the phone I had partnered with XXXX XXXX XXXX to handle it and that they would contact them for further communication. She then asked if I knew how the worked. I said yes, they take payments to pay off creditors on my behalf. She said, yeah and they take pennies on the dollar out of your own money. I said, I understand that and that it was better than not being able to pay the {$3900.00}. She said no it's not. What about your XXXX. I told her I already had a loan on my 401k and could not take out another. She asked how much I owed on it and how long I had paid on it. She then said, " and how is that going for you '' in a sarcastic manner. I told her it was going just fine. She then said she would not work with XXXX XXXX XXXX  and she was forming opinions on my account. I told her if they decided to move forward with legal action I have legal representation and we would see where that goes if that was the case. She then said she knows where it goes, " homelessness ''. I took this as a threat that she would take everything I had by any means necessary. I then said, " I have partnered with XXXX XXXX XXXX for this, and have legal representation if needed. That will be all for this call, have a good day. '' And ended the call. I believe the representatives name is XXXX and that her bosses name was XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX XXXX  Date : XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX  Date XXXX XXXX XXXX XXXX XXXX  Date : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and 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 2025-09-30 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: NY

Complaint narrative:
I did not authorize or provide any consent for these companies to access my credit report, and I believe that this Negative Account XXXX Account Number XXXX and these inquiries XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CU XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX SVCS XXXX XXXX XXXX  XXXX XXXX  XXXX JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX & XXXX BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX and these names XXXX XXXX and these addresses XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX are the result of identity theft or fraudulent activity and are incorrect.

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 2025-09-30 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: NY

Complaint narrative:
This is a formal dispute pursuant to the Fair Credit Reporting Act. Your file contains multiple violations of FCRA, FDCPA, Reg XXXX, and Metro 2 guidelines. 
Disputed Items XXXX. Personal Identifiers ( Names & Employers ) You are reporting multiple conflicting names ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and inconsistent employers ( XXXX, XXXX ). This violates FCRA XXXX ( b ) and Metro 2 XXXX Segment formatting. Delete erroneous entries and retain only the correct information. 
XXXX. Address Inconsistencies Your file lists XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX as different addresses, creating duplication. This violates XXXX ( b ) and Metro 2 standards for standardized address reporting. 
XXXX. Duplicate Student Loans ( XXXX ) You are reporting XXXX closed XXXX tradelines with {$0.00} balances. This is duplicative, in violation of XXXX ( b ), XXXX ( a ) ( XXXX ), and Metro 2 XXXX Segment rules. Retain only XXXX accurate tradeline. 
XXXX. Inquiries Your file lists XXXX XXXX inquiries on XX/XX/year> and XX/XX/year>. Provide documentation proving permissible purpose under XXXX. If you can not, delete these inquiries.

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 2025-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, through CashApp, money was sent to a XXXX XXXX. She was to provide goods/services per her contract. She has continued to change her story and not provide anything that was promised through her contract. She is also unwilling to provide a refund. She scammed my CashApp account for a sum total of {$800.00}. We have been in contacted with this person up until today, XXXX XX/XX/year>. She has still refused to provide the goods/services outlined in her own contract. CashApp has been unwilling to help even though this person has braided us out of a significant amount of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : UNAUTHORIZED COLLECTION - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: VA

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit 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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-09-30 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: PA

Complaint narrative:
I am a victim of identity theft and am disputing a fraudulent account that remains on my credit file. 
Creditor/Furnisher : XXXX XXXX XXXX XXXX XXXX Account Number ( partial ) : XXXXXXXX XXXX XXXX Balance : {$3900.00} Bureaus still reporting : XXXX  and Equifax Bureau that already deleted the account : XXXX  I submitted both a FTC Identity Theft Report ( # XXXX ) and a XXXX Police Report ( XXXX XXXX ) proving this account is fraudulent. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), credit bureaus must block and remove fraudulent accounts within 4 business days. Under FCRA 623 ( a ) ( 6 ), furnishers are prohibited from reporting information they know results from identity theft. 

XXXX  already deleted this account. XXXX, Equifax, and XXXX have failed to comply with federal law and continue to harm my credit. 

I request immediate deletion of this fraudulent account from XXXX  and Equifax and that XXXX cease all reporting. Written confirmation of removal should be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA XXXX. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : [ CALIFORNIA XXXX XXXX ] [ XX/XX/year> ] [ XXXX XXXX ] [ XX/XX/year> ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: TX

Complaint narrative:
I am submitting this formal complaint against several furnishers and credit reporting agencies for reporting inaccurate and misleading information on my consumer credit files, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The following inaccurate items have been identified on my credit reports : Wrong Addresses Reported XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX These addresses do not belong to me and are being falsely associated with my file. 

Incorrect and Harmful Account Reporting XXXX XXXX XXXX XXXXXXXX XXXX  High Balance {$200000.00}, Opened XX/XX/XXXX Reported Late Payment ( inaccurate ). 

XXXX XXXX XXXX High Balance {$240000.00}, Opened XX/XX/XXXX Reported Late Payment ( inaccurate ). 

XXXX XXXX XXXX High Balance {$1800.00}, Opened XX/XX/XXXX Reported Late Payment ( inaccurate ). 

XXXX XXXX XXXXXXXX XXXX  High Balance {$100.00}, Opened XX/XX/XXXX Reported Late Payment ( inaccurate ). 

XXXX XXXX XXXX High Balance {$130.00}, Opened XX/XX/XXXX Reported Collection ( false and unverified ). 

Unauthorized or Questionable Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry I did not authorize or initiate this inquiry. 

These entries are inaccurate, misleading, and damaging to my credit profile. The continued reporting of such unverifiable data constitutes a violation of : FCRA 602 ( A ) Protecting consumers from inaccurate credit reporting.

FCRA 607 ( b ) Requiring maximum possible accuracy of information.

FCRA 611 Mandating reinvestigation and deletion of unverifiable information.

I have attempted to resolve these errors directly with the credit bureaus and furnishers but the accounts remain falsely reported. These inaccuracies are causing me financial harm by negatively impacting my creditworthiness, increasing the cost of credit, and damaging my reputation.

I demand the CFPB investigate these violations and hold the furnishers and reporting agencies accountable. Specifically, I request : Immediate deletion of the wrong addresses.

Removal or correction of the inaccurate late payments and collection entries. 

Removal of the unauthorized XXXX  XXXX XXXX inquiry. 

Assurance of compliance with the FCRA to prevent further harm.

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 2025-09-30 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: Consumer Portfolio Services, Inc.
State: NC

Complaint narrative:
Consumer Portfolio Services , Inc. ( CPS ) account ( # XXXX, opened XX/XX/XXXX ) Conflicting Status Reporting The account is simultaneously listed as Charged Off, Past Due {$19000.00}, and Repossession. These contradictory designations violate FCRA 1681e ( b ), which requires consumer reports to be accurate and not misleading.

Incomplete and Inconsistent Payment History Records indicate repossession in XXXX while balances and charge-off statuses continue into XXXX. Balance histories show static figures ( $ XXXX {$19000.00} ) with no reconciliation. These deficiencies make the tradeline unverifiable under FCRA 1681i ( a ) ( 1 ) ( A ). 

Unverified Debt Ownership No proof has been provided that CPS is the lawful owner or has accurate reporting authority. Furnishers are prohibited from reporting data they know or should know is inaccurate under FCRA 1681s-2 ( a ) ( 1 ) ( A ).

Federal Enforcement Findings The FTC and U.S. Department of Justice ( United States v. Consumer Portfolio Services , Inc. ) documented CPSs systemic failures to ensure accuracy, including misreporting balances, ignoring dispute obligations, and engaging in unlawful reporting practices. This establishes a pattern of misconduct and undermines the reliability of any CPS tradeline.

Materially Misleading Data Critical fields, including monthly payments and highest balance, are blank or contradictory. Such omissions materially mislead creditors in violation of FCRA 1681e ( b ).

Company response to consumer: Closed with explanation