vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
I am writing to formally express my concern regarding recurring and unjustified fees being added to my mortgage account with PennyMac. These charges have significantly increased my monthly obligations and make it difficult to manage my payments, despite the fact that I remain current on my mortgage. 

Each time I have contacted customer service for clarification, I have been told the matter would be escalated. However, I have not received clear or consistent explanations. When I raise objections, I am threatened with the possibility of negative reporting to credit bureaus, which I believe is unfair given that my payments are up to date. 

For example, while preparing to pay my bill this month, I noticed an unexplained charge of {$170.00} labeled as Other Fees. After spending more than XXXX minutes on hold, I was told this was an inspection fee dating back to XXXX. Despite my requests, I was not permitted to speak directly with a supervisor, and no written documentation supporting this charge has been provided. 

I respectfully request : A full written explanation of the fees being charged to my account, including dates and justifications. 

The immediate removal of any fees that can not be substantiated. 

Assurance that no negative credit reporting will occur while this matter is under review. 

Thank you for your prompt attention to this matter. I look forward to your response and a resolution. 

Sincerely,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-01 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: SC

Complaint narrative:
To : TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX From : XXXX XXXX Date : XX/XX/XXXX Re : Demand for Permanent Deletion of Inaccurate, Unverified, and Unauthorized Information To Whom It May Concern, This letter is a formal dispute and demand for deletion of all inaccurate, unverifiable, and unauthorized information appearing on my credit report maintained by TransUnion.

Under the Fair Credit Reporting Act ( 15 U.S.C. 604 ( a ), 609 ( a ), 611 ( a ) ( 5 ) ( A ), and 623 ( a ) ( 1 ) ( A ) ), information that can not be verified with the original source must be deleted in its entirety not corrected or updated.

1. Collection & Charge-Off Accounts ( Unverifiable / Inflated / Sold Debts ) XXXX XXXX XXXX Reported as Sold ; Charged-Off with conflicting balances and marked Purchased by Another Lender ; Unpaid Balance Charged Off. This is unverifiable and must be deleted. 
XXXX XXXX XXXX XXXX account with no proof of original contract, no chain of title, and no itemized accounting. Delete. 
XXXX XXXX XXXX XXXX. Same deficiencies as above. Must be deleted. 



XXXX. Unauthorized Inquiries ( Hard & Soft Pulls Without Consent ) These entities accessed my credit without my express written authorization in violation of FCRA 604 ( a ). All must be deleted : XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( multiple unauthorized account review pulls ) 3. Outdated & Inaccurate Personal Information Delete all irrelevant addresses, employers, and phone numbers not associated with my current residence to prevent file-mixing and misreporting.

4. Legal Notice This is not a request. This is a legal demand for permanent deletion. You have 30 days from receipt of this letter to comply and provide written confirmation. 

Sincerely, 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 2025-10-01 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 a follow-up complaint regarding [ Experian / XXXX  / XXXX  ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ), and XXXXXXXX XXXX XXXX XXXX  XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF - 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 2025-10-01 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: NC

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/year>. I paid off a loan with TD Bank, when I came into the bank in XXXX, PA XXXX XXXX adv that they couldn't give me a status letter right there and then that they acct was paid. She reached out with personal loans, and they told her a letter would be available for me to pick up in 3-6 business days. When I reached out today, they had no answer. I called TD Bank customer service and XXXX in personal Loans advised me that I wouldn't be getting a status letter because the account was closed. I advised that I needed this as well as the closure letter due to a legal matter and the 30 days was coming to an end. She advised me the letter of status wouldn't be available, but a closure letter will be sent out in XXXX business days ( XX/XX/XXXX ). I advised that just at the 30 days and wouldn't be helping me at all. They apologized but wouldn't help further than that. I advised that I was misled by the agent at the XXXX, PA XXXX and filed a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bonneville Billing and Collections
State: ID

Complaint narrative:
On XX/XX/year>, I received a letter of judgement from the XXXX XXXX Clerk 's office in XXXX, Idaho. The notice informed that Bonneville Collections, also located in XXXX, Idaho, had sued me and I owed them for a judgement totaling {$670.00}. I was never served to appear in court nor was I ever emailed by them or their attorneys. 

According to the State of Idaho 's court system ( XXXX ), I was served on XX/XX/year> -- -however, I never was. I'm not sure what address they were using or where they were serving to. Typically to get served, someone needs to hand you the documents or leave them with someone in the same residence as you. That truly never occurred, or if they were 'served ' they were given to a stranger living in an old address of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: LA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-10-01 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: FL

Complaint narrative:
This is a follow-up complaint regarding [ XXXX XXXX XXXX  / TransUnion ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MA

Complaint narrative:
Jefferson Capital Systems is illegally re-aging a XXXX account. XXXX notified me on XX/XX/year> that my account ( ending XXXX ) would be sent to collections, establishing the Date of First Delinquency ( DOFD ). Under the FCRA, the 7-year reporting period must run from that DOFD and can not be reset. Jefferson Capital continues updating the date reported, making the account appear newer than it is. I disputed this with the credit bureaus, but they marked it verified as accurate without providing proof of the true DOFD. This re-aging misrepresents the account and harms my credit. I request correction to reflect the original DOFD ( XX/XX/year> ) with proper removal after 7 years, or deletion of the tradeline if Jefferson can not provide Sprints original records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Our home was destroyed on XX/XX/year> in the XXXX XXXX. Since then we have received insurance payments to fund our rebuild, which were made out to us as the homeowners and also to Mr. Cooper, our mortgage lender. On XX/XX/year>, and again on XX/XX/year>, I requested in writing that Mr. Cooper and XXXX ( the third party holding our insurance payout at Mr. Cooper 's behest ) place these insurance funds in an interest-bearing escrow account in accordance with CA Assembly Bill 493 ( AB 493 ), the Interest Accrual Act. I sent these letters via electronic upload at XXXX, via fax, and via USPS mail. To date I have received NO response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I opened a secured credit card with Synchrony Bank in XXXX. I was told that after receiving payment, they would issue my credit card. I sent in payment from my XXXX bank account and my credit card was issued. I was told that upon closing my credit card or when it was transferred over to an unsecured credit account that I would receive a refund of my secured credit card deposit. Synchrony refuses to refund my {$500.00} deposit. The account was transferred over to XXXX XXXX and they are also refusing to refund the deposit by stating that Synchrony Bank never provided the original loan documents and that the account was transferred over as " unsecured '' in XXXX from Synchrony Bank. I have contacted both XXXX XXXX and Synchrony Bank for several weeks and have spoken to XXXX representatives who continue to transfer me between departments without ever getting remotely close to resolving the illegal ( or erroneous ) transfer of my secured account and the withholding of my deposit. Both Synchrony Bank and XXXX XXXX refuse to provide the original loan information or take accountability for the failure to return the deposit or verify the type of account before transferring/acquiring it. This is theft, breach of contract, and fraud on the behalf of both financial institutions.

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 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XX/XX/year> LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX Re : Request for Debt Validation Account Number XXXX To Whom It May Concern, I am responding to your phone call regarding the alleged debt with account number XXXX. I am requesting validation of this debt as provided for by the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

Please provide the following : 1. The amount of the alleged debt, including an itemized statement of fees and interest.

2. The name of the original creditor and documentation proving you have the right to collect on this account.

3. A copy of the original signed agreement creating the debt.

4. Documentation showing the chain of ownership of the debt ( if it has been sold or transferred ).

5. Proof that your company is licensed to collect debts in my state.

Be advised that until you provide proper validation, you must cease all collection activity and reporting of this alleged debt to credit bureaus.

If you are unable to provide the requested documentation, you must cease all collection efforts and remove any negative credit reporting related to this account.

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Relay Financial (US), Corp.
State: WY

Complaint narrative:
On XX/XX/year>, my Relay account received an incoming transfer of {$59000.00}. Shortly after, my account was closed by Relay. The transfer was later marked as rejected and returned to the sender. I have screenshots confirming both the original transfer and the notice that the funds were rejected.

In addition, my account had a remaining balance of {$6500.00}, which has been frozen since the account closure. Relay has refused to send this balance via ACH transfer, despite knowing that I am currently not residing in the United States. Receiving a physical check is extremely difficult for me due to my location, and I have not even been given a clear timeline for when such a check would arrive.

At this point, the large incoming transfer has not been returned to the sender, and my account balance remains inaccessible. I have contacted Relay support multiple times requesting clarification and resolution. Specifically, I have asked that if the funds are still with Relay, they be disbursed to me via ACH transfer instead of a physical check. Unfortunately, I have not received a clear response or solution.

This situation has left me without access to significant funds I urgently rely on. I am requesting immediate clarification and resolution regarding both the incoming transfer and the frozen account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Since XXXX XXXX XXXX, Cardconnect, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX has been stealing money out of my business checking account. I never authorized them to charge my account, never agreed to their services and never once used their services. 

I have emailed XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, their agent and asked them to refund the total {$12000.00} that was erroneously charged against my account but have not received his response which was due no later than the end of day yesterday.

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 2025-10-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: AZ

Complaint narrative:
Homeowner insurance payment was made out of the escrow account to insurance company without my consent and without confirming whether I will use the same insurance company. Per XXXX the mortgage company representative i spoke with, he mentioned that the insurance company ( XXXX ) reached out to them requesting payment, and United Wholesale Mortgage made the payment. When I got notified ( via email ) that I payment was made, I reached out to let them know that I've already paid my homeowner insurance to the company I chose to do business with ( XXXX ) and I submitted proof of insurance using mycoverage.com portal. Then I got a notification that a another insurance payment was made. 
Now my mortgage payment is overstated and I'm being penalized to pay more than I should because of United Wholesale Mortgage error. The additional payment I have to make is putting financial hardship on me and my family. I already made an additional payment last month and i don't want to do it this month as well. This is an urgent matter than need resolution ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/year> I tried to transfer money from my Citi bank account. After I tried to do an external transfer my account was locked and I had to call fraud services. They told me it would take 24 hours for it to be resolved. I called on XXXX and then was told that my account will be closed and that they would send me a check for {$1600.00} ( the amount thats in my account ) within 30-60 business days. They didnt tell me why my account was closed and why I could not just withdraw my money. They stated because of direct deposit thats why it would take so long but i stated I can tell my employer not to send my check there. They end of saying its nothing they can do on their end

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 2025-10-01 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:
I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX- Inquiry XXXX XXXX XXXX XXXX XXXX  Inquiry : 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 2025-10-01 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: PR

Complaint narrative:
I am requesting that the following items be removed or corrected on my credit report : PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : Dept Of Ed- Date opened : XX/XX/XXXX Dept Of Ed- Date opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
XXXX XXXX XXXX XXXX is furnishing contradictory and misleading information regarding account ending in XXXX. 
The account is reported as Charged Off, Closed by creditor ( XX/XX/year> ), yet also shows a past-due balance of {$1300.00} as of XX/XX/year>. 
This contradiction renders the tradeline unverifiable under FCRA 611 ( a ) ( 1 ), materially misleading under FDCPA 807 ( 2 ) ( A ), and inaccurate under FCRA 1681e ( b ) and 1681s-2 ( a ) ( 1 ) ( A ). 
On XX/XX/year>, I mailed certified disputes to all 3 bureaus ; Equifax responded on XX/XX/year> ( Dispute ID XXXX ) but did not provide verification from Citibank, leaving the tradeline unchanged.

Citibank has failed to provide : Form 1099-C ( required under 26 U.S.C. 6050P if debt canceled ), Any disclosure of insurance claims, securitization, or transfers, Proof they retain legal ownership or reporting rights.

If Citi has been compensated via sale, securitization, or insurance, they no longer retain any legal interest in this account.

This constitutes willful noncompliance with FCRA 609, 611, 1681e ( b ), 1681s-2, FDCPA 807 ( 2 ) ( A ), IRS 166 , 6050P, and California Civil Code 1785.25 ( a ), 1788.17.

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 2025-10-01 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: PA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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