vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
PennyMac insist that I agreed to an accelerated payment at the end of a loan forbearance period. They reported the debt as 60-90 days late in XX/XX/year>. 

They have failed to provide any evidence that my wife agreed to this arrangement, despite her being a coborrower.

I have never missed a payment in 20 years. this has destroyed my credit. They have reported the payment differently to the three credit bureaus. They have different business names for each credit bureau. They have validated the debt, despite providing any proof of who I met with, contracted with, and have failed to provide a valid verification of the debt.

They have failed to list this item as " disputed ''.

They have reported the debt as 60 days late to two of the agencies and 90 days late to the third. 

I demand that they remove this fraudulent report from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: U.S. BANCORP
State: GA

Complaint narrative:
According to Fair Credit Reporting Act ( FCRA ) these unauthorized inquiries violate my rights and must be removed. These report pulls were insured as soft pull inquiries, but FCRA 604 outlines permissible purposes for credit checks, which unauthorized inquiries is a violation. The Business names in violation of this FCRA is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and US Bank.

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 2025-06-21 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: KY

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: KY

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, 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 non-monetary relief
Consumer complaint received 2025-06-22 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
My car was totaled on XX/XX/year>. I made a payment on XX/XX/year> and didn't pay again after that because I have full coverage insurance and I have GAP insurance. Yet I am being told that I am behind a payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
Im very shocked and surprised, even after clear instructions you guys are again changed my account address on XX/XX/year>, I just sent you a CFPB complaint a few days ago and you acknowledged that you are not going to change the address again, I looked at my online account today and there was a XXXX XXXX XXXX but the city mentioned was XXXX, and I clearly told you that I am in XXXX now, so how come the address got changed? and who is changing the address, are you guys trying to fraudulently take out money from my account?

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 2025-06-21 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I submitted disputes for two accounts on my Experian credit report : one from XXXX XXXX and one from XXXX XXXX XXXX. However, the investigation was marked updated the same day I submitted the dispute, which violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. 

No documentation or verification was provided by the furnishers, and Experian failed to conduct a reasonable investigation. I am requesting the CFPB to intervene and ensure these accounts are properly validated or removed. 

Accounts in Question : - XXXX XXXX ( Charge-Off Account # : XXXX - XXXX XXXX  XXXX XXXX XXXX ) Account # : XXXX Report # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: PA

Complaint narrative:
I submitted disputes for two accounts on my Experian credit report : one from XXXX XXXX and one from XXXX XXXX XXXX. However, the investigation was marked updated the same day I submitted the dispute, which violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. 

No documentation or verification was provided by the furnishers, and Experian failed to conduct a reasonable investigation. I am requesting the CFPB to intervene and ensure these accounts are properly validated or removed. 

Accounts in Question : - XXXX XXXX ( Charge-Off Account # : XXXX - XXXX XXXX  XXXX XXXX XXXX ) Account # : XXXX Report # : 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 2025-06-21 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: GA

Complaint narrative:
Transunion, Experian, and Equifax continue to report an account listed as XXXX XXXX XXXX  XXXX Account # : XXXX incorrectly. There are several inconsistencies between the consumer agencies which leads me to believe this account has not been properly investigated. I have consistently requested the method of verification on how. It would be a major breach of privacy if these companies had access to my private financial history as I have a right to privacy or an opportunity to opt out of this information reporting. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2025-06-22 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-06-21 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: EQUIFAX, INC.
State: IL

Complaint narrative:
TransUnion LLC P.O. XXXX 2000 XXXX, PA XXXX Subject : Formal Dispute and Notice of Inaccurate and Potentially Illegal Reporting XXXX XXXX Account # XXXX * * * * * To Whom It May Concern, I am writing to dispute and request the immediate investigation of serious concerns surrounding the XXXX XXXX account appearing on my XXXX credit report XXXX The account details are inaccurate, misleading, and XXXX reflect improper debt handling and illegal reporting practices. 



Recently, I was contacted by a third-party collection agency known as XXXX ( XXXX XXXX XXXX XXXX XXXX email regarding this same XXXX Wireless XXXX XXXX XXXX is attempting to collect on the account, claiming an outstanding balance and offering a discounted payoff. However : XXXX. XXXX is not reporting the account to XXXX XXXX XXXX XXXX XXXX If XXXX sold or transferred the debt to XXXX, XXXX no longer owns this debt and should not be reporting a balance or collection status. This is a violation of accurate credit reporting under the Fair Credit Reporting Act ( FCRA 623 ). 

XXXX. XXXX contacted me via email without my consent, which I never provided to XXXX XXXX or any third party. This raises concerns about unauthorized disclosure of my personal information, which XXXX violate privacy rights under the FCRA and state consumer protection laws. 

XXXX. XXXX contacted me after XXXX PM, which is a clear violation of the Fair Debt Collection Practices Act ( FDCPA XXXX ( a ) ( XXXX ) ), which restricts communication to reasonable hours ( typically XXXX AM to XXXX PM local time ). 



Given these issues, I am demanding that XXXX Immediately XXXX and XXXX method of verification from XXXX XXXX regarding the XXXX XXXX of this debt. 

If XXXX can not XXXX XXXX XXXX still owns the XXXX, the account must be deleted entirely from my credit report. 

Provide documentation showing that XXXX XXXX has the legal right to report this debt under the current circumstances. 


this information being reported isn't the same information I've received XXXX XXXX XXXX have contacted a local attorney who has informed me in order for me to sue to force them to remove it I have to give them an opportunity so this is their opportunity to remove it I am also requesting a block on future communications via email from any third-party collection agency who was not authorized to access or use my information. 





Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Checking or savings account — Checking 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
XX/XX/year> {$400.00}. XXXX, XX/XX/year> $ XXXX {$400.00} These are the dates and amounts that were taken from my account. Ive been told repeatedly that I would be receiving the refund within a certain amount of time. I have given them plenty of time to correct this error and its still not resolved.

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 2025-06-22 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: IL

Complaint narrative:
This letter serves as a formal dispute of inaccurate, outdated, and unverifiable information being reported on my credit file

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 2025-06-21 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am disputing multiple unauthorized hard inquiries that appeared on my credit report in XXXX  and others.I did not apply for credit with these companies, nor did I give permission for them to access my credit file. I discovered these inquiries while reviewing my report through official sources. 

I previously contacted the credit bureaus directly to dispute the inquiries, but they were not removed. These unauthorized inquiries are negatively impacting my credit score. I am requesting a formal investigation and for these inquiries to be deleted, as they were made without my knowledge or consent.

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 2025-06-22 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
My account keeps getting withdran for XXXX for a total of 6 times I do not have any account with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: GA

Complaint narrative:
Trying to get the loans XXXX. The school has been closed for years.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-21 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: FL

Complaint narrative:
JP Morgan Chase reduced without any prior notice, despite my account being in good standing. I had never missed a payment, kept my balance under control, and was responsibly managing my credit. This issue has affected multiple Chase credit card accounts, including my Freedom Flex, Sapphire Preferred, and Amazon Visa. Each card was in good standing, and the unexpected credit limit decreases occurred without warning or justification. 

The sudden limit cut caused my credit utilization to spike, which significantly lowered my credit score even though I hadnt added new charges or changed my usage habits. This score drop has made my financial situation more difficult and has affected my ability to qualify for other essential financial resources, including new credit lines and XXXX XXXX assistance. 

I contacted JP Morgan Chase to request a review or reinstatement of my limit, but received no helpful resolution. I am now requesting that JP Morgan Chase either reconsider its decision or provide official documentation I can submit to the credit bureaus to help address the damage done to my credit profile and overall financial planning.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief