vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I am submitting this formal complaint against Pentagon Federal Credit Union ( PenFed ) for failing to report accurate and timely credit information to the three major credit bureaus, in violation of the Fair Credit Reporting Act ( FCRA ). 

I paid off my PenFed personal loan ( account ending in XXXX ) in full on XX/XX/year>. As of today, XX/XX/year>, the account still does not reflect Paid in Full or Closed Never Late status on any of my credit reports. The balance is reporting as XXXX, but the final account status and remarks remain incomplete, which has caused unnecessary suppression of my credit score and disrupted key financial planning tied to accurate reporting.

After repeated inquiries and follow-up calls to PenFed, I was provided a case number ( XXXX ) and told that the matter had been escalated to their internal Credit Bureau Resolution Team . I was also issued a formal letter dated XX/XX/year>, confirming that the account is fully satisfied and that updated information was allegedly sent to the credit bureaus. I uploaded this letter to Experian during an ongoing dispute. However, as of today, no credit bureau reflects the proper remarks, and the Experian dispute is still unresolved. 

Ive contacted both PenFed and the credit bureaus directly. I have made every good faith effort to resolve this matter through normal channels, including customer service escalations and online dispute submissions. This reporting delay is materially impacting my credit scores, despite my perfect payment history, XXXX balance, and responsible credit behavior. 

I am requesting that PenFed immediately fulfill its legal obligation by : Submitting corrected information to all three major credit bureaus, Accurately marking the account as Paid in Full Closed Never Late, and Confirming in writing that all reporting obligations under the FCRA have been fulfilled. 

I am also requesting that the CFPB oversee this matter and ensure that PenFed is held accountable for any violations of timely and accurate credit reporting. Please expedite this review. 

Documentation from PenFed, including the payoff letter dated XX/XX/XXXX, is available and will be uploaded as part of this complaint. 

Thank you.

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 2025-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Not too long ago I opened a checking account with Citibank, not knowing the nightmares that would come with. I opened my checking account quite recently and deposited some cash into it around {$2000.00} and the next day I received a email saying my account was flagged/frozen now I cant access my account or funds anymore

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 2025-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Services, Inc.
State: TN

Complaint narrative:
Insurance Portability and Accountability Act ( HIPAA ). I am invoking all applicable rights under the FDCPA and HIPAA in requesting detailed information about this account.

I request that you provide competent evidence of the validity of this debt. Kindly furnish me with the following information and documentation : Original Creditor : The name and address of the original medical provider or creditor to whom this debt was originally owed. Clearly identify the hospital, clinic, or medical office that provided the services related to this debt, as well as the date of service associated with the charges.

Itemized Statement of Charges : A full, itemized breakdown of the charges that total {$2700.00}. Include the dates of service, the type of service or procedure performed, and the cost for each item. If any portion of the debt was covered by insurance or adjusted, indicate those amounts and provide documentation ( such as Explanation of Benefits ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: AK

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXXXX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Someone has used my name to apply for fruadulent bank accounts and cash checks and over draw the account. I have been dealing with this issue for a few years. XXXX XXXX XXXX XXXX XXXXXXXX XXXX just sent a letter stating that I owe more than XXXX. I have reached out to companies and informed them that I have never had these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: MD

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please removethese accounts and send me an updated copy of my report after the investigation. 
XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-06-29 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 writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please removethese accounts and send me an updated copy of my report after the investigation. 
XXXXXXXX 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 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 2025-06-29 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: NJ

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report 2 fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of an auto loan at XXXX XXXX XXXX on XXXX XXXX under the account number XXXX and a mobile account at XXXX XXXX XXXX on XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries which are XXXX  on XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: MD

Complaint narrative:
This account was not mine, and after years of fighting to prove it including multiple disputes and fraud claims it was finally removed from my credit report in late 2023. I thought the nightmare was over. But suddenly, with no warning, the same account reappeared under a slightly different name ( XXXX XXXX instead of XXXX XXXX XXXX  XXXX ), as if nothing had happened right before I was about to buy a home. 

Experian then began marking it as charge-off every single month for over XXXX XXXX something that is both legally and ethically wrong. This isnt just inaccurate its deceptive and harmful. I asked for proof that this account belonged to me : a signed contract, validation, anything. I never received a single piece of documentation. Instead, theyve ignored my identity theft claim and let this follow me like a shadow, wrecking my credit all over again. My car was stolen by a predatory tow truck driver a few years back, and due to this constant update, Ive had to walk since. It caused me to lose my job due to regulations they had to follow at a previous place of employment. Its ruined my life. 

The account was found fraudulent and deleted. Then it returned with no justification, and now its destroying my ability to move forward financially or even trust that my credit report reflects reality. It feels deliberate, cruel, and predatory.

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 2025-06-29 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: LD Holdings Group, LLC
State: CA

Complaint narrative:
Loan depot caused our insurance policy to be dropped due to lack of payment despite being notified by XXXX several times to pay the renewal last year. We have our escrow account set up with them so that they can effectively pay our property taxes and homeowner insurance on time- this was mandatory to add on a VA backed loan. We refinanced in XXXX, have proof of Loan depot reaching out for our insurance policy so they could tie the new loan against it, and still no payment was sent. XXXX  confirmed they reached out several times for payment. There was no warning we would be dropped, even when Loan depot was notified the policy was no longer active after not paying the renewal back in XX/XX/XXXX. Now we have been without insurance for 6 months and the only way we found out was when we tried to file a claim when we had a major, sudden water leak that occur in our kitchen in XX/XX/XXXX- we were told we no longer had a policy and were dropped and could not be reinstated because it had been more than 30 days/ and they no longer write new policies in CA XXXX 
Loan depot admitted it was an escrow servicing error early in the process, said they would make it right, opened up a claim with their lender forced placed insurance so we can start work, only to fast forward to now - be told our previous insurance would be mirrored and according to our declarations, this water leak would have never been covered under our policy. This is after our kitchen and bathroom has been completely gutted. We operated on good faith and have been very vulnerable with loan depot. We are at a loss. We are disgusted at their mishandling and false promises and lack of action to make this right. To this day, we are still without private insurance and on lender forced placed insurance that we cant seem to use or been offered to use. Had we had a private insurance agent to talk to on our side, we would have had an adjuster come out within days and tell us what is covered and not covered. Their adjuster came out 3 weeks later and the water damage that occurred had to be treated right away, which we advised the health and safety risks and they misled us to start work when they said an insurance claim will be opened with their insurance dept. But we were misguided the entire time that loan depot would make this right. This has also caused a lot of emotional distress as we have not had anyone guide us or help advocate for us during this loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX DOB : XX/XX/year> SSN ( last 4 ) : XXXX Date : [ Insert Todays Date ] To : [ Experian / TransUnion / Equifax adjust per bureau ] Subject : Formal Dispute and Immediate Removal Demand Duplicate & Inaccurate Accounts Re : FCRA Violations 15 U.S. Code 1681i & 623 To Whom It May Concern, This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding duplicate and inaccurately reported accounts on my credit file. Upon review of my consumer disclosure, I have identified multiple entries that are either duplicated, outdated, or misreported with inconsistent balances and dates. This violates your duty to ensure maximum possible accuracy under 15 U.S. Code 1681i ( a ) and 623 ( b ).

Please see the attached PDF titled Duplicate_Accounts_Dispute_Letter_with_Evidence.pdf which outlines : Duplicate real estate loans under differing servicer names ( e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Credit cards and tradelines with inconsistent balances or closed statuses ( e.g., XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, and others ) These inaccuracies are materially harmful and violate the reasonable procedures standard you are required to maintain. 

LEGAL DEMAND : I demand the immediate deletion or correction of all misreported, duplicated, or inaccurately listed accounts within 15 days of receipt under : FCRA 1681i ( a ) ( 1 ) ( A ) obligation to investigate any item disputed by a consumer FCRA 1681s-2 ( b ) responsibility of furnishers of information upon notice of dispute FCRA 602 ( A ) consumer protections against reporting of inaccurate and obsolete information Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the State Attorney General, as well as private legal action under FCRA 1681n and 1681o for actual, statutory, and punitive damages.

Please mail me a new consumer disclosure reflecting the corrections and deletions. This letter also serves as notice to place an internal block on the reporting of these accounts until this matter is resolved. 

Sincerely, XXXX XXXX [ Signature if mailing ] Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX DOB : XX/XX/year> SSN ( last 4 ) : XXXX Date : [ Insert Todays Date ] To : [ Experian / TransUnion / Equifax adjust per bureau ] Subject : Formal Dispute and Immediate Removal Demand Duplicate & Inaccurate Accounts Re : FCRA Violations 15 U.S. Code 1681i & 623 To Whom It May Concern, This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding duplicate and inaccurately reported accounts on my credit file. Upon review of my consumer disclosure, I have identified multiple entries that are either duplicated, outdated, or misreported with inconsistent balances and dates. This violates your duty to ensure maximum possible accuracy under 15 U.S. Code 1681i ( a ) and 623 ( b ).

Please see the attached PDF titled Duplicate_Accounts_Dispute_Letter_with_Evidence.pdf which outlines : Duplicate real estate loans under differing servicer names ( e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Credit cards and tradelines with inconsistent balances or closed statuses ( e.g., XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, and others ) These inaccuracies are materially harmful and violate the reasonable procedures standard you are required to maintain. 

LEGAL DEMAND : I demand the immediate deletion or correction of all misreported, duplicated, or inaccurately listed accounts within 15 days of receipt under : FCRA 1681i ( a ) ( 1 ) ( A ) obligation to investigate any item disputed by a consumer FCRA 1681s-2 ( b ) responsibility of furnishers of information upon notice of dispute FCRA 602 ( A ) consumer protections against reporting of inaccurate and obsolete information Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the State Attorney General, as well as private legal action under FCRA 1681n and 1681o for actual, statutory, and punitive damages.

Please mail me a new consumer disclosure reflecting the corrections and deletions. This letter also serves as notice to place an internal block on the reporting of these accounts until this matter is resolved. 

Sincerely, XXXX XXXX [ Signature if mailing ] Phone : XXXX Email : 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 non-monetary relief
Consumer complaint received 2025-06-29 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 a victim of identity theft. My Equifax credit report includes a charged-off account from XXXX XXXX  XXXX XXXX XXXX XXXX account opened on XX/XX/year>, showing a {$2300.00} charge-off. I did not open this account and never had any relationship with this financial institution. This account was opened and used without my knowledge or consent.

Under my rights as a consumer, I am requesting immediate removal of this account under : FCRA 1681c-2 Requires credit bureaus to block and remove any information resulting from identity theft upon receipt of a valid identity theft report.

FACTA 1681g ( e ) Requires credit bureaus to promptly respond and block fraudulent information upon consumer dispute and supporting identity theft documentation. 

I have submitted a valid FTC Identity Theft Report and request this account be permanently removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: WY

Complaint narrative:
Our U.S. company, XXXX XXXX, had our fully verified PayPal business account ( XXXX ) permanently limited without explanation on XX/XX/year>. 

This account had no customer complaints, no chargebacks, and all transactions were shipped with valid tracking numbers. It was fully verified with our business registration and linked bank account. 

We submitted multiple appeals through PayPals Resolution Center, but all were denied with generic responses. No specific reason for the account limitation was provided. 

At the time of the limitation, the account had a balance of approximately {$3000.00}. These funds are now frozen, and we were told the decision is final, with no further appeal allowed. 

We believe this is a mistake and are asking for a proper human review of our case. The limitation has severely disrupted our small business operations and damaged customer trust.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: NY

Complaint narrative:
I am disputing the validity of a student loan reported by Edfinancial Services. I have contacted the servicer to request documentation, including the original promissory note, the full chain of title, and servicing history. Edfinancial has either refused or failed to provide sufficient verification.

I believe the loans are being reported without legal documentation or proper validation. I am requesting that the CFPB require Edfinancial to provide proof of ownership and correct or remove the account from credit reports if it can not be validated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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 checked my credit report and a XXXX XXXX account that was removed from my credit report that doesnt belong to me is reporting again.I was told this item would be blocked from reporting.

Company response to consumer: Closed with explanation