vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
QWR, DVR and demand under TILA, UETA and UCC Provide me exact amount of money in $ $ I owe to PennyMac Loan Services , LLC as of XXXX XXXX Provide me exact amount of any escrow deficiencies as of XXXX XXXX Provide me copies of my original Promissory Note, original XXXX dated XXXX XXXX and original undated XXXX Provide me copies of original Assignment of mortgage from XXXX XXXX  XXXX XXXX to XXXX XXXX XXXX XXXX and from XXXX  to PennyMac Loan Services , LLC Provide me a copy of my signed Modification Agreement dated XXXX XXXX with PennyMac. 

Provide me address, phone number and the name of custodian of records with whom I can inspect my original documents at the time and location convenient for the custodian

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
On or about XX/XX/XXXX, I was looking at buying another vehicle. I went to XXXX XXXX XXXXXXXX in XXXX Mi. It is a credit acceptance program. The manager of the company XXXX lied on my loan application. He said I put XXXX dollars down. I did not give him any cash. He took a title to my XXXX wheel. I didnt even put the title to the XXXX wheel in my name yet. He also lied about the condition of the car. The vehicle is a XXXX XXXX XXXX with a ton of issues and broke down immediately after purchasing. He did not even tell me the total amount of money I was paying. He said my monthly payment would be XXXX XXXX The credit acceptance company said its XXXX $ a month. The company is now closed and Im stuck with a loan I know nothing about because he just said sign here on everything. I trusted him. Ive called to make arrangements with the loan company but the vehicle keeps breaking down. I was lied to and I want out of this loan. The dealer had this car after I purchased it to fix front wheel bearings, then made me pay for it. Then the turbo went out, there a several oil leaks and I barely drove it. The dealer never inspected this car. He just XXXX  shoved the paperwork in my face. In the same month of purchase, XXXX the dealer tried to tell me that they would fix it for a cheaper price than an actual XXXX XXXX. XXXX XXXX XXXX is considered a buy here pay here company. There is a warranty but it doesnt cover much. Now that dealer is closed Credit Acceptance said theyre sorry but they cant help me. They want to repossess the car. I tried and called Credit Acceptance but they are not helping me.

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 2025-06-09 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 am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, California XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report. 
XXXX XXXX XXXX, XXXX XXXX, CA, XXXX & XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, CA, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XX/XX/XXXX Balance Owed : {$310.00} XX/XX/XXXX Balance Owed : {$290.00} XXXX XXXXXX/XX/XXXX Balance Owed : {$14000.00}

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 non-monetary relief
Consumer complaint received 2025-06-09 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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
XXXX i have not received a 1099 C form from this company of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX someone used my bestbuy credit card in the XXXX to purchase random products and food i called in bestbuy customer service to report the problem but they said that the purchase was valid so i asked for full report on how they determine that the purchases was valid but they just give me the mail saying that i made the purchase.

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 2025-06-09 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: TX

Complaint narrative:
I recently view my consumer report and noticed several incorrect addresses, unknown employment, unauthorized inquiries, multiple account numbers to one account and many inaccuracies in reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCTXXXX, XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX MULTI ACCT NUMBERSXXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX XXXX XXXX Account Number : 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 explanation
Consumer complaint received 2025-06-09 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: CA

Complaint narrative:
I am writing to formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent accounts that do not belong to me and continue to report unverifiable information. 

This conduct is in direct violation of federal law and my consumer rights. The following accounts listed below was opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance.

Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations.

You are hereby given 30 days from the date of this letter to provide the following : 1. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic responses ; 2. A comprehensive outline of the investigation performed, detailing each step taken ; 3. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; 4. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ).

If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California State Attorney General. I will also proceed with litigation under 15 U.S.C. 1681n for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs.

The following accounts are fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove these accounts immediately, and provide supporting verification if you continue to report them : 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 2025-06-09 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-09 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-09 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-09 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient 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 non-monetary relief
Consumer complaint received 2025-06-09 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CO

Complaint narrative:
I am filing this complaint against MOHELA due to their failure to provide access to my federal student loan account or timely customer service, which has directly caused me to fall over five ( 5 ) months behind on payments, through no fault of my own.

My first payment was due in early XX/XX/year>, but I have not been able to access my account or make payments since before then. I sent two formal letters to MOHELA ( the most recent received XX/XX/year> ), clearly explaining that : Their online portal is broken, preventing me from logging in to manage or pay my loan.

I have made multiple attempts to reach them by phone, where the average hold time is over 4 hours. On multiple occasions, I waited over 8 hours, until their office closed, without ever speaking to a representative.

I also submitted complaints via MOHELAs website and the Federal Student Loan portal, but never received a response.

Since sending my letters, I have received only missed calls, during working hours which I am unable to answer due to the nature of my profession. MOHELA left no ( helpful ) voicemail, no email, and provided no written response, despite my explicit request for alternative communication methods.

More recently, I began receiving automated emails saying " a message has been delivered to your MOHELA inbox. '' This inbox is part of their online portal, which I can not accessmeaning they are knowingly placing important communications in a system they are aware is broken for me. This reinforces my original complaint about their closed-loop communication failures. 

I am requesting : Immediate restoration of online access to my account ; Correction of the delinquency status caused entirely by MOHELAs failure to provide functional servicing ; All future communication be made to my external email ( provided in letters, and where they send the " overdue '' notices ) or in writingnot through an internal portal I can not reach ; A formal, written response from MOHELA within 10 business days ; If MOHELA can not fulfill these basic servicing obligations, I am requesting the Department of Education cancel or discharge my loan due to administrative breakdown and borrower harm.

I am maintaining a full record of all communication attempts and will continue escalating this case to additional regulatory and legal channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond XXXX XXXX XXXX. I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: NV

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Comnt is [ FTC Complaint Number ], filed on [ FTC Complaint Date ]. mission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complain.

FTC Report Number : Date : XXXX XXXX Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me.

Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC.

Details of Disputed Inquiries : XXXX  Date of inquiry : XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : 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