vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: SIMMONS FIRST NATIONAL CORPORATION
State: OK

Complaint narrative:
I was withdrawing money like I always do from the front counter and the customer service lady apparently theres a new policy or a policy that has to be enforced now but it wasnt enforced yesterday XX/XX/year> that I have to write down all of my information, even though its readily available for them in their computer. I did and then back-and-forth we went because it was wrong. I said well Ive never had to do this before normally yall just do that through the computer and apparently its a new enforced role but I was like it didnt happen yesterday like Im confused on why I have to give you all my information when the information is there in the computer anyway it seemed like she was trying to save my information for later. It was very unprofessional and suspicious when I gave her my ID and she can look on her computer, but I still had to write everything down and then she tried to copy it. It was just very confusing. The management came over and didnt even try to get my side of the story just immediately sided with her employee, even though she knew she was wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: VA

Complaint narrative:
I am writing to dispute several inaccuracies on my credit report. Below are the accounts in dispute, separated by bureau. Please review the details and correct the errors accordingly. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} Inquiries :XX/XX/XXXX Date : XX/XX/XXXX Late Payments : XX/XX/XXXX Account Number : XXXXXX/XX/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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm writing because there's an account on my credit report that is completely inaccurate, and I need this issue addressed and corrected immediately. The information being reported is flat-out wrong, and its already having a serious impact on my credit profile and my life. 

Let me be absolutely clear : I have no connection to this account. I never opened it, never authorized it, and have never had any dealings with the company reporting it. This is either the result of a reporting error, identity theft, or a case of mixed files but whatever the cause, this is not my debt and it needs to be removed. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to maintain and report 100 % accurate and verifiable information. Whats currently being reported under my name does not meet that standard. In fact, its a direct violation of my rights under the FCRA, specifically Section XXXX ( b ), which requires you to follow reasonable procedures to ensure maximum possible accuracy.

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 2025-11-26 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: TN

Complaint narrative:
On XX/XX/year>, XX/XX/year>, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-11-26 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: TN

Complaint narrative:
On XX/XX/year>, XX/XX/year>, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: CA

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. XXXX ). I am requesting a full reinvestigation and correction of this error without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: FL

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

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 2025-11-26 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: IL

Complaint narrative:
I am disputing the following items reported on my TransUnion file. These accounts and inquiries appear inaccurate or unverifiable, and I request a full reinvestigation. 

Charged-Off Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Considering my reliable payment history, the late payment on my account is unjustified. Please correct this mistake by removing it and ensuring my account is accurately updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing a complaint against all three credit bureaus for multiple violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. I have submitted XXXX disputesone on XX/XX/XXXX and another on XXXX XXXX I have not received a single piece of verification for ANY of the negative items I disputed. 
Instead of investigating, all three bureaus have sent me stall letters stating : That I am working with a third party ( which is false ) That I am claiming identity theft ( which is also false ) These statements are inaccurate, misleading, and appear to be an attempt to avoid conducting a lawful investigation. 
Under FCRA 611, the credit bureaus are required to perform a reasonable investigation and provide verification of each disputed item. Under Metro 2, all accounts must be accurate, complete, and fully verifiable. 
Despite this, all three bureaus have marked my accounts as verified without providing any verification at all. 
If an account is verified, the bureaus must be able to provide : The original contract Complete payment history Proof from the furnisher Documentation validating ownership of the debt The exact information used to confirm accuracy I requested verification for each disputed item and received NONE. 
Marking items as verified without verifying them is a direct violation of FCRA, Metro 2, and CFPB guidelines. Sending stall letters instead of conducting the legally required investigation is also a violation. 
I am requesting the CFPB to require that : All three bureaus complete a lawful investigation ; Provide actual verification for each negative item ; Remove any item they can not legally verify ; Cease sending stall letters falsely claiming third-party involvement ; Correct all violations under FCRA 607 ( b ), 611, and Metro 2 compliance standards. 
I am the XXXX filing these disputes. I am not working with a third party. I have not claimed identity theft. I am simply requesting that the credit bureaus follow federal law and provide proof for the items they have labeled as verified without justification. 
I need this matter fully investigated and corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing a complaint against all three credit bureaus for multiple violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. I have submitted XXXX disputesone on XX/XX/XXXX and another on XXXX XXXX I have not received a single piece of verification for ANY of the negative items I disputed. 
Instead of investigating, all three bureaus have sent me stall letters stating : That I am working with a third party ( which is false ) That I am claiming identity theft ( which is also false ) These statements are inaccurate, misleading, and appear to be an attempt to avoid conducting a lawful investigation. 
Under FCRA 611, the credit bureaus are required to perform a reasonable investigation and provide verification of each disputed item. Under Metro 2, all accounts must be accurate, complete, and fully verifiable. 
Despite this, all three bureaus have marked my accounts as verified without providing any verification at all. 
If an account is verified, the bureaus must be able to provide : The original contract Complete payment history Proof from the furnisher Documentation validating ownership of the debt The exact information used to confirm accuracy I requested verification for each disputed item and received NONE. 
Marking items as verified without verifying them is a direct violation of FCRA, Metro 2, and CFPB guidelines. Sending stall letters instead of conducting the legally required investigation is also a violation. 
I am requesting the CFPB to require that : All three bureaus complete a lawful investigation ; Provide actual verification for each negative item ; Remove any item they can not legally verify ; Cease sending stall letters falsely claiming third-party involvement ; Correct all violations under FCRA 607 ( b ), 611, and Metro 2 compliance standards. 
I am the XXXX filing these disputes. I am not working with a third party. I have not claimed identity theft. I am simply requesting that the credit bureaus follow federal law and provide proof for the items they have labeled as verified without justification. 
I need this matter fully investigated and corrected immediately.

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 2025-11-26 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: NC

Complaint narrative:
I am submitting this statement regarding the accounts I have identified as being disputed on my credit report. The following accounts are being contested due to inaccuracies in their reporting and I am requesting that they be thoroughly reviewed and corrected. 

Charged Off Accounts : No accounts listed for dispute. 

Inquiries : XXXX, XX/XX/year>

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 2025-11-26 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: TX

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts that I believe are inaccurate or improperly reported on my credit file. Below are the details of the accounts in dispute for each bureau : Charged Off Accounts : XX/XX/XXXXAccount Number : XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} Bank XXXX XXXX ( XXXX OF XXXX ) Account Number : XXXXXX/XX/XXXX Date Opened : XX/XX/XXXX Balance : {$120.00}XX/XX/XXXXXXXX ( XXXX XXXX ) Account Number : XXXXXX/XX/XXXX Date Opened : XX/XX/XXXX Balance : {$260.00} XXXX XXXX Account Number : XXXXXX/XX/XXXX Date Opened : XX/XX/XXXX Balance : {$950.00}

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
Consumer complaint received 2025-11-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: World Acceptance Corporation
State: TX

Complaint narrative:
Paid off a loan on XX/XX/year>. Applied again on XX/XX/XXXX. Was contacted by XXXX to continue the application process on XX/XX/XXXX. She told me that there was a waiting period between loans so I would have to wait until XX/XX/year>. I received another call on XX/XX/XXXX from XXXX and she went through the application process with me at approximately XXXXXX/XX/XXXX. She notified me on this call that I was approved for {$1800.00}, but I would have to wait until XX/XX/XXXX for it to be funded. I asked her so " Do I come in or just call? '' She told me either, but she said if you call we can get it processed that day. I called back on XX/XX/year> at XXXXXX/XX/XXXX and XXXX told me that I wasn't approved for {$1800.00}, it would be {$1700.00} because this was the amount I last borrowed. She also told me that the earliest I could be funded was XX/XX/XXXX. I asked her why I was told to call back on XX/XX/XXXX then? She said that they changed policies. I asked her when they changed the policy and why they did not notify me of this change since I prepared my budget around the XX/XX/XXXX date. She was careless about the situation and did not apologize. I asked can she show me the policy change and she said no, they don't share that information with customers. So I asked to speak with her XXXX, she said she doesn't have XXXX. I called the customer service line and they got in contact with XXXX to give me the branch manager 's number, she gave me the number, I called, no answer. I called customer service again and the representative checked with her supervisor and said what happened at the XXXX branch is very strange and they saw no such policies on their end. The representative 's manager contacted the branch XXXX XXXX and told him to call me back. He said he was busy and would call me back, but did not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency XXXX include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-26 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency XXXX include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-26 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: NC

Complaint narrative:
Continuation and Escalation of Prior Complaint This complaint is a continuation and escalation of CFPB Complaint ID # XXXX, which was recently closed. Since that complaint was filed, newly discovered evidence confirms PennyMac Loan Services , LLC lacked lawful authority to service or foreclose on my loan and continued enforcement activity despite evidence that the debt was extinguished and the foreclosure was not legally final. 

NEWLY DISCOVERED EVIDENCE AND ONGOING VIOLATIONS A Property Securitization Audit completed XX/XX/year> confirms the loan was sold into a XXXX XXXX XXXX XXXX and that PennyMac is not the authorized servicer of record. The audit identifies XXXX XXXX XXXX as the servicer and reflects a pool factor of XXXX as of XX/XX/year>, indicating the loan was treated as extinguished or fully satisfied at the trust level. 

Despite this, PennyMac continued foreclosure and enforcement actions without lawful standing, misrepresented its authority, and proceeded while my Rule XXXX ( b ) motion and loss mitigation challenge were pending. PennyMac also reflected a {$0.00} principal balance in its system while attempting to enforce a debt exceeding {$310000.00}. 

Additionally, the recorded Trustees Deed falsely states the property is not my primary residence, which is untrue. I currently occupy the home as my primary residence. This misrepresentation appears intended to bypass borrower protections. 

PennyMac also inaccurately reported the foreclosure as completed while the matter remained under active legal dispute, violating the Fair Credit Reporting Act by furnishing misleading and incomplete information. 

These facts demonstrate unauthorized servicing, standing defects, deceptive practices, and enforcement of a potentially extinguished debt. I request renewed CFPB investigation and regulatory action.

Company response to consumer: Closed with explanation