vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: GA

Complaint narrative:
I am filing a complaint because there are inaccurate and outdated accounts being reported on my credit file. The accounts in question are : XXXX XXXX ( XXXX XXXX ) closed account showing XXXX missed payments. 
XXXX XXXX Bank ( XXXX ) XXXX closed accounts showing XXXX and XXXX missed payments. 
XXXX XXXX XXXX collection account showing a balance of {$260.00} last reported on XX/XX/year>2025. 

These accounts are either paid, closed, or no longer valid, yet they continue to appear on my TransUnion report as delinquent or with missed payments. I have not received recent communication or validation of these debts from the creditors. 

The continued reporting of these negative marks is inaccurate, misleading, and damaging my creditworthiness. I am requesting that the CFPB review this matter and that these accounts be investigated and removed or corrected from my credit report if they can not be fully verified with proper documentation. 

I have attached or referenced screenshots from my XXXX XXXX report dated XX/XX/year>2025, showing the inaccurate reporting details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: GA

Complaint narrative:
I am filing a complaint because there are inaccurate and outdated accounts being reported on my credit file. The accounts in question are : XXXX XXXX ( XXXX XXXX ) closed account showing XXXX missed payments. 
XXXX XXXX Bank ( XXXX ) XXXX closed accounts showing XXXX and XXXX missed payments. 
XXXX XXXX XXXX collection account showing a balance of {$260.00} last reported on XX/XX/year>2025. 

These accounts are either paid, closed, or no longer valid, yet they continue to appear on my TransUnion report as delinquent or with missed payments. I have not received recent communication or validation of these debts from the creditors. 

The continued reporting of these negative marks is inaccurate, misleading, and damaging my creditworthiness. I am requesting that the CFPB review this matter and that these accounts be investigated and removed or corrected from my credit report if they can not be fully verified with proper documentation. 

I have attached or referenced screenshots from my XXXX XXXX report dated XX/XX/year>2025, showing the inaccurate reporting details.

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 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have reached out to Bank of America several times since reporting my hardship, and the bank continues to ignore my written communication requests. Instead of working with me, they are preparing to triple-charge my account, even though Ive made it clear this will push me further into overdraft.

This behavior feels retaliatory and predatory Ive done everything right by communicating in advance, providing details, and asking for help. Bank of Americas silence and refusal to act in good faith have left me stressed and anxious, knowing these charges could hit at any time. Its unacceptable for a major financial institution to knowingly worsen a customers hardship instead of offering temporary relief.

Bank of Americas resolution is to call collections in hopes of pushing me to a debt settlement program which from the get-go I have said NO to. Calling collections violates my legal rights for written communication ONLY and their canned responses and silence only shows that they are operating in bad faith and their only goal is to push customers down the debt hole even deeper. 

I have said this a million times, I am without work, have they even tried to work with me? NO! instead they are deceptive and continue to ignore everything that I have been upfront about.. 

As a loyal customer of over a decade, who paid on time and when I fell short after XXXX due to job loss, this is how they treat me? 

Cfpb needs to step in.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$950.00} XXXX XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$450.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$950.00} XXXX XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$450.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/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 2025-11-05 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: LEXISNEXIS
State: NY

Complaint narrative:
I have been denied auto insurance policy because XXXX nexus reported that I have over XXXX claims on file and I have never got into an accident and wat ever claim they have on file is fraud and I need free report to look over it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: KCB Credit LLC
State: NV

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-11-05 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: MD

Complaint narrative:
XXXX XXXX XXXX is holding my balance of {$560.00} with no explanation and no clear timeline for a resolution. This is completely random and should not have happened. Theres a long thread in a popular online forum about this happening to MANY of their customers. The customer service is rude, nasty and unhelpful if and when you can reach someone. As a result of their actions, Im unable to purchase food or pay my bills and this company needs to be dealt with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: LA

Complaint narrative:
: I am disputing the following accounts reported by Experian, as I believe they may be inaccurate or incomplete. Please review the information and provide clarification. 

CHARGED OFF Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES Account Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX POSITIVE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LATE PAYMENT Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : 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 2025-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Ive noticed some collection accounts on my credit report that I believe have inaccurate information. Under my rights provided by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is fair and accurate. I am therefore requesting that these accounts be investigated, and if their accuracy can not be verified, I ask that they be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Aqua Finance, Inc.
State: GA

Complaint narrative:
Aqua Finance is currently attempting to collect on an account related to a recreational vehicle while the account is in an active and unresolved dispute. I previously requested hardship assistance and provided documentation, and I also disputed the repeated late-payment reporting, which was furnished without my written consent and during an active dispute period. 

Aqua Finance responded with a form letter stating that they " consider the matter closed '' without providing validation of the debt, without providing the original signed agreement, and without providing a full payment ledger or documentation of late fee authorization. 

Despite this, Aqua Finance continued negative credit reporting and has initiated repossession activity. A third-party recovery agent contacted me by telephone despite a cease-and-desist request and while the account remains under dispute. 

I am requesting : 1. Full validation of the alleged debt and itemized accounting.

2. Suspension of any repossession or collection activity.

3. Correction of credit reporting to accurately reflect the account as disputed.

4. Regulatory enforcement for violations of : - Fair Credit Reporting Act ( 15 USC 1681s-2 ( a ) ( 3 ) ) - Fair Debt Collection Practices Act ( 15 USC 1692g )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
My card from Capital One was locked because I paid off the balance and was going to close the account and cancel it. A charge from " XXXX '' and " XXXX '' were charged in XXXX for a total of {$260.00} without authorization. I paid the bill as I researched them. No charges were warranted or authorized. 

In XXXX, after my account with Capital One was closed and card cancelled, a charge of {$440.00} showed on a statement from " XXXX XXXX ''. Again, no authorization given or warranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I requested this credit card because I wanted to take advantage of the 0 % offer however, I have called multiple times and explained the payment was never received to my XXXX credit card. Ive been told that it sent by mail and I need to wait each time I ask for details and today I asked for a manager. Im told again that I must wait 7 to 10 business days. I was waiting over an hour and a half and never was put through to a manager. At this time I regret doing business with them. Now Im being billed for a balance transfer that never happened.

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 2025-11-05 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: LA

Complaint narrative:
I am disputing the following inquiries made on my credit report. These inquiries need to be investigated to ensure accuracy and compliance with applicable laws. 

Inquiries : 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 explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: PENNYMAC LOAN SERVICES, LLC.
State: ID

Complaint narrative:
I just want to make sure that they cant come after me if I say something incorrect so here is what Im writing.

To Whom It May Concern, I am filing this complaint against XXXX XXXX XXXX for their deceptive and negligent handling of my home loan, which directly caused my family to become homeless for XXXX days during the purchase of our home. 

During the underwriting process, XXXX underwriter manipulated my loan application in order to force an automated approval. This action, while potentially convenient for XXXX, was misleading, unethical, and fundamentally dishonest. When the loan reached the closing stage, the closer corrected the informationonly for the loan to lose its automated approval entirely. 

As a result of this gross mishandling, my familyincluding my fiance, our XXXX child, and our XXXX XXXX left without a home for XXXX days. We had no clear answers, no proactive communication, and no accountability from XXXX whatsoever. During this time, I had to come up with nearly {$1000.00} out of pocket to secure temporary housing through XXXX, just to keep a roof over my childrens heads. 

The stress, financial burden, and emotional toll of this experience were unimaginable. As the sole provider for my family, being forced into this situation due to corporate negligence and deception was beyond unacceptableit was inhumane.

Throughout this entire ordeal, PennyMac failed to communicate, failed to take responsibility, and failed to act in good faith. Their actionsand lack thereofdemonstrate a complete disregard for the wellbeing of their customers. 

I am demanding that this matter be formally investigated by the Consumer Financial Protection Bureau. I also request that PennyMac be held accountable for their deceptive loan manipulation, and that they compensate my family for the financial and emotional damages caused by their misconduct. 

No family should ever have to experience homelessness or financial panic because of a mortgage companys internal incompetence or deliberate manipulation. PennyMacs behavior represents exactly what is wrong with the mortgage industrya profit-driven disregard for the human lives affected by their errors and deceit.

I hope that by filing this complaint, others will think twice before trusting PennyMac with their financial future. My family deserved honesty and competencewe received neither.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: NM

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: NV

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-05 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: CT

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX NATL XXXX XX/XX/XXXX FACTUAL DATA XX/XX/XXXX COMENITYCB/PIERCINGPGD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX * * * * * * * * XXXX XXXX XXXX XXXX * * * * * * * * XXXX CARD XXXX * * * * * * * * * * * SYNCB/LOWES XXXX * * * * * * * * * * *

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: F.H. Cann & Associates, Inc.
State: NJ

Complaint narrative:
I am filing this complaint regarding XXXX. XXXX XXXX XXXX XXXX XXXX reporting and attempting to collect an alleged account XXXX XXXX XXXX XXXX debt in the amount of {$16000.00} and/or any other amount, which is appearing on my credit report as a charged-off account. I am not a debtor to this account and did not authorize its creation, reporting, or collection. I already disputed this account, but no proper validation has been provided. Under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request full validation of this debt, including details about the original creditor, itemized amounts, and a signed agreement showing my consent. Additionally, 15 U.S.C. 1681b and 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ) prohibit reporting inaccurate information or information that was reported without my authorization. Moreover, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires a full investigation and correction of inaccurate information. The FTCs shutdown has prevented me from filing an Identity Theft Report, which is a significant obstacle to providing a full report of the unauthorized activity. I am requesting that this account be immediately deleted from my credit report and that no further collection activity be allowed. I request CFPB intervention to ensure compliance with these federal laws and the immediate removal of this account.

Company response to consumer: Closed with explanation