vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I previously opened this issue earlier this year around XXXX. You all and PennyMac both responded but missed the entire orignal issue and instead, discussed normal mortgage fluctuations, escrow analysis and insurance increases. This is not the first home I've owned, so I understand how the escrow process works. The issue is a servicing error committed by PennyMac in XX/XX/XXXX. 

In XX/XX/XXXX, my husband contacted PennyMac to request a homestead tax exemption be made to our account. He explicitly used language such as, " XXXX veterans tax exemption ''. We knew this was something we could request, as we had requested it at our previous home, before XXXX to XXXX. Instead of applying the homestead tax exemption, the agent proceeded to remove all property taxes, as if our home were fully tax-exempt. 

This was not a request either one of us would have made or authorized, and it is not consistent with state or county laws. They sent us a {$4800.00} refund check for the escrow we had in the account, which seemed normal, as it is what we experienced with using the homestead tax exemption on our first home. We had no way of knowing that PennyMac would eliminate all tax escrow and that such a massive shortage would occur in our account. We continued making our payments in good faith, relying on PennyMac to service our loan correctly. 

Months later in XX/XX/XXXX, when they did an escrow analysis and caught the error, we were back-charged for the entire period during which they failed to collect escrow, creating a shortage of {$11000.00}. This caused our monthly mortgage payment to increase far beyond the pre-exemption amount and has forced us into financial hardship.

This is not a standard escrow fluctuation ; it is a servicing error in violation of 12 U.S.C 2605 ( k ) ( 1 ) ( C ) under RESPA, as well as under 12 C.F.R 1024.35 ( b ) ( 6 ) for failing to properly calculate and maintain escrow as required by 12 U.S.C 2609 ( a ) and 12 C.F.R. 1024.17 ( k ) ( 1 ). PennyMac removed all property taxes from escrow without authorization, creating a shortage later charged to me in violation of my mortgage agreement and applicable federal law.

The servicer has continuously failed to address the original error, which is that they, the customer service representative or whomever, whether purposeful or inadvertently, misunderstood what a veteran 's tax exemption/homestead tax exemption is and removed all taxes from our account. I uploaded paperwork for proof of homestead tax exemption, and nowhere on that paperwork, nor in the state of California, do they allow veterans to be completely tax exempt. This resulted in an escrow shortage that we have been paying back for almost 3 years. This is a clear servicing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: SC

Complaint narrative:
I recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-08-11 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: NV

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
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 balance {$510.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Credit Corporation
State: VA

Complaint narrative:
Hi, I got debt collection notice for my XXXX XXXX XXXX in XX/XX/year>, and I paid these bills in XX/XX/year> in full - {$430.00} - at the NCC - debt collection website. All attachments are attached. I got a Thank you note from the NCC website, and they money has been deducted from my account as well.

And even after payment they keep calling and keep sending me the mails to collect the same bills. My husband was about to pay the same bill again, and I told him to look up all emails and bank accounts as this feels suspicious as I have paid it. Me and my husband had a huge fight for not paying this bill even after he told me in earlier to pay it. And I was sure I paid it. The entire day went in pay to find out the details, and I found it after all.

I logged in to the account site for NCC XXXX XXXX XXXX : and the worst part of the fraud is that the account manager site incorrectly shows the entire amount as due even after the payment as made and deducted from the account at the same site itself in XXXX. I have attached the snapshot of account site as well taken on XX/XX/year>. So the fraud goes really deep. 

I then sent out email to the NCC company as well of this fraudulent activity that they are trying to cheat people by not marking the accounts paid and keep collecting payments multiple times. This company is a true fraud. 

They should pay us damages for all the pain and misery caused due this behavior. 


-- -- -- -- -- - email sent to NCC : to XXXX Hello NCC Debt Agency, I am writing to request that you cease sending me debt collection emails and calls for a bill that I paid in full on XX/XX/XXXX. 

I have already provided payment details and confirmation for the bill. I am concerned that you are attempting to circumvent the payment process by sending me repeated emails for the same bill that have been paid.

This practice is fraudulent and constitutes a violation of consumer rights.

My bank records clearly indicate that I have made the payment, and the confirmation email for payment Thank You from NCC is attached below this email. If I receive any further emails from NCC regarding this bill, I will be forced to file an official complaint with the Consumer Financial Protection Bureau ( CFPB ) to report your fraudulent activities.

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
These inquiries are not recognized. I have not applied to any of these companies 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: I.C. System, Inc.
State: MD

Complaint narrative:
On XX/XX/year>, a collection notification was sent to my credit monitoring service reporting a debt in the amount of {$320.00} from a resident in MS . I contacted the collection agency directly to report that the information is inaccurate and that I have never visited or lived in the state of MS , nor have I ever authorized anyone to use my name to obtain credit or services of any kind. The collection agency representative provided me with all the account information, as I never received any notice from the collection agency prior to this information be sent to collections. 

I subsequently obtained my credit reports from all 3 credit bureaus on XX/XX/year>, and found the collection listed only on the XXXX  report. However, the address associated with this collection debt in MS , was not shown on my credit report as of XX/XX/year>, and was never previously on my credit report but XXXX  responded to my dispute stating that this debt had been verified by the collection agency and it was added to my report. Its my understanding that this debt must be verifiable to be valid, and this brings into question, how the credit bureaus could verify account/address information that was never on my report before. 

On XX/XX/year>, upon reviewing my updated credit reports, I observed that the MS address and collection account had erroneously been added to my report by all 3 credit bureaus. 

I am currently resubmitting another dispute reporting identity theft regarding this matter and have requested a copy of all documentation and all methods used to obtain my signature or authorization to open the account in question in an attempt to resolve this matter. 

I'm requesting any assistance possible from your organization to have this fraudulent information removed from my credit reports by all 3 credit bureaus as quickly as possible. Additional information can be provided if necessary to assist in this request.

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 2025-08-10 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: MD

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: LA

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. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The fraudulent inaccurate, and false information consist of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXXXXXX  under the account number ( private ), XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ( private ), XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number ( private ), XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX under the account number ( private ), XXXX  on XX/XX/XXXX under the account number ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquires in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 the aforementioned accounts, collections, and hard inquiries are the result of identity theft or fraud. I have attached a copy of FTC identity Theft Criminal Complaint 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.

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 2025-08-10 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
The letter is a formal complaint and dispute against XXXX  for alleged violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The consumer, XXXX XXXX, is disputing unlawful reporting and failure to correct inaccurate or unverifiable information. The dispute also concerns XXXX XXXX  failure to provide a permissible purpose for certain credit inquiries.

Disputed Accounts and Violations : The following accounts are being disputed : XXXX XXXX : Failure to validate the debt. XXXXXXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX : Failure to validate the debt, re-aging of the account, and false reporting. XXXX XXXX XXXX XXXX XXXX XXXX :
Continued negative reporting after the dispute was resolved. XXXX XXXX XXXX XXXX XXXX XXXX XXXX (

two separate accounts ) : Failure to validate the debt and reporting without validation. Disputed Inquiries : The letter requests the legally permissible purpose under FCRA 604 ( a ) ( 3 ) for several hard and soft inquiries. The consumer states that no explanation was provided upon a previous request. The inquiries in question are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo Card Services : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Demands : The consumer demands that XXXX take

the following actions : 1. Provide full validation of each disputed account, including original signed agreements, complete payment histories, and the full chain of custody. 2. Permanently delete any account or inquiry that can not be fully validated. 3. Provide a detailed explanation of the permissible purpose for each hard and soft inquiry. 4. Correct the consumer 's credit file by removing all inaccurate or unverifiable entries.

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 2025-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: NY

Complaint narrative:
I received a letter in the mail from a debt collecting agency called Online Information Services stating that they were contacting me on behalf of XXXX XXXX XXXX XXXX XXXX XXXX  to collect on debt of {$31000.00}. The letter was addressed to my company XXXX XXXX XXXX which has my home address as the address they sent the letter to. Since i had no idea what this debt was from i called con edison and spoke with XXXX XXXX who told me this debt was from XXXX. Ive only had the LLC XXXX XXXX since around XXXX. Also con XXXX told me the address associated with the account they are collecting debt on is XXXX XXXX XXXX XXXXXXXX XXXX I have never been associated with this address. 

I am not sure if this is fraud or what. But i called both numbers on the letter from the Online Information Services ( XXXX ) XXXX and ( XXXX ) XXXX and they both are not working numbers. The address they list is : XXXX XXXX XXXX XXXX NC XXXXXXXX XXXX 

Please help. Im not sure what to do here. I do not want this debt which is not mine to affect my credit. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that i had fraudulent accounts on my credit report. Please remove these accounts from my report, it is hurting my ability to obtain credit..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: IL

Complaint narrative:
I filed a dispute with Chime Bank for the amount of {$290.00} in XX/XX/XXXX. The dispute was approved on XX/XX/XXXXXXXX  ; however, the funds were never deposited into my account. Despite the dispute being approved nearly two years ago, I have yet to receive the credited amount. I contacted Chime on XX/XX/XXXX, to request an update, but I continue to be given the runaround with no resolution to the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: NM

Complaint narrative:
XXXX XXXX Department of Education is inaccurately reporting multiple student loan tradelines to the credit reporting agencies that are harming my credit profile. 
All six accounts listed below are for the same underlying loan obligation, yet XXXX has reported them as separate tradelines, each showing identical false 90/120/180-day late payment history, despite my on-time payments : 1. Account # XXXX Opened XX/XX/XXXX Balance {$4400.00} 2. Account # XXXX Opened XX/XX/XXXX Balance {$3000.00} 3. Account # XXXX Opened XX/XX/XXXX Balance {$5600.00} 4. Account # XXXX Opened XX/XX/XXXX Balance {$8100.00} 5. Account # XXXX Opened XX/XX/XXXX Balance {$2900.00} 6. Account # XXXX Opened XX/XX/XXXX Balance {$10000.00} I have never been late on these loans and can provide payment records to prove this. The duplication of derogatory information is misleading, artificially damaging, and violates my rights under the Fair Credit Reporting Act ( FCRA ) : FCRA 1681s-2 ( a ) ( 1 ) ( A ) Prohibits furnishing information known to be inaccurate.

FCRA 1681i Requires reasonable reinvestigation of disputed information.

FCRA 1681s-2 ( a ) ( 7 ) Requires notice before negative reporting.

FCRA 1681s-2 ( b ) Requires investigation and deletion of inaccurate information after notice. 
In addition, XXXX has sold or shared my personal information without my authorization to other credit reporting agencies or third parties, which further violates my contractual and statutory rights. 
I have already disputed these accounts with Experian, Equifax, and TransUnion and have filed this CFPB complaint to demand a full investigation. 
Requested Resolution : I request that XXXX XXXX Department of Education : XXXX. Delete all six accounts in full from all credit reports with Experian, Equifax, and TransUnion.

2. Provide written confirmation of deletion.

3. Cease reporting any inaccurate or duplicate information.

4. Cease the unauthorized selling or sharing of my personal information.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
I contacted XXXX  about my collection account with credit Corp solutions and they said it was verified but didn't explain as how they verified it meaning by original signature agreement and even how. Need it removed of my account per FCRA for inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
My name is XXXX XXXX please take note that I am personally writing this complaint. Again, no third party involved. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I am not aware of all of this stuff ; I will have the FTC investigate on this matter.

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 2025-08-11 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

CXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$960.00}

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