vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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:
XXXX XXXXXXXX : account no. XXXX XXXX XXXX : account no. XXXX I don't agree with the account listed below which still appears on my credit report, even after your Investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections. 
Your cooperation and prompt attention are greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: CA

Complaint narrative:
I am filing this dispute due to inaccurate addresses and incorrect late closed accounts being reported on my credit report. The following addresses XXXX Harpers Way, XXXX, MD XXXX, XXXX XXXX, XXXX, CA XXXX, and XXXX XXXX, XXXX, GA XXXX do not belong to me and appear to be inaccurately associated with my file. Additionally, the accounts XXXX XXXX  ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ) XXXX XXXX  and XXXX Co ( Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance : {$0.00} ) * * are being reported with late payments even though they were closed in good standing with a XXXX balance. These reporting errors have caused unnecessary harm to my credit profile and do not accurately reflect my payment history. 
Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], consumer reporting agencies must ensure maximum possible accuracy of all reported information. FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] provides my right to dispute incomplete or inaccurate information and to have it promptly reinvestigated. Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to report only data they know to be accurate and to correct any errors once notified.

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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Entered into forbearance with citizens which ended in XXXX of 2025. I was approved for a loan modification with paperwork dated XX/XX/XXXX of 2025 detailing a trial period for the new payment amount. XXXX trial payments were due between XXXX and XXXX and all were made in advanced and on time. New loan documents were notarized in XXXX of 2025 and updated paperwork confirmed first modified loan payment was due XX/XX/year>. XXXX was modified to add a balloon payment amount to the end of the loan for all missed payments during forbearance. 
XXXX has reported all months of the trial period payment plan ( XXXX ) as XXXX days late to credit bureaus. When contacted, citizens has insisted that even though all instructions were followed in accordance with the forbearance and modification process, they are marking the balloon amount due ( from the forbearance period ) as XXXX days late because it was not paid in full prior to the loan being modified. The account now has 5 months of missed payments reported as XXXX days late, even though trial payments were received. 

First payment of the trial period plan was also made in XXXX ( earlier than required ) and rather than advise me that this needed to be applied to a XXXX day late balance, it was applied to the following month trial payment. 

No payments during the life of the loan were ever missed or late unless instructed by citizens in accordance with the instructions of their payment plan.

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 2025-10-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: OR

Complaint narrative:
I am a veteran homeowner with a VA-backed mortgage serviced by PennyMac Loan Services ( Loan # XXXX ). 
Despite submitting a complete and timely Mortgage Assistance Application in XX/XX/XXXX, PennyMac mishandled my loss mitigation review and improperly advanced my loan toward foreclosure in violation of federal mortgage servicing standards ( 12 CFR 1024.41 ) and VA servicing requirements ( 38 CFR 36.4350 ).

PennyMacs actions include : 1. Conflicting application notices PennyMac first stated my application was incomplete ( XX/XX/XXXX ) and later confirmed receipt of a complete application ( XX/XX/XXXX ). 
2. Failure to evaluate or provide written determination within required timeframes and without clear reason for denial ( denial issued XX/XX/XXXX ). 
3. Failure to suspend foreclosure actions during a pending or active loss mitigation review, contrary to federal loss mitigation protections. 
4. Improper charges An {$820.00} Property Appraisal Fee was added ( effective XX/XX/XXXX ) for an inspection that never occurred. 
5. Inaccurate escrow accounting Escrow balance shows {$9700.00}, with unexplained adjustments and fees.

6. Lack of communication and failure to respond to multiple borrower inquiries despite documented proof of emails and phone calls.

These actions appear to violate the Real Estate Settlement Procedures Act ( RESPA ), Regulation X ( 12 CFR Part 1024 ), and CFPB mortgage servicing rules regarding : Timely acknowledgment and processing of complete applications ( 1024.41 ( b ) ) ; Foreclosure restriction during active review ( 1024.41 ( g ) ) ; Failure to respond to borrower information requests ( 1024.36 ) ; Imposition of inaccurate or unsupported fees ( 1026.36 ( c ) ).

As of now, my property is scheduled for auction within days, despite my compliance and ongoing communication attempts. The mishandling of this process has caused serious distress and jeopardized my home unnecessarily.

I am requesting CFPB review of PennyMacs servicing conduct and an immediate investigation into violations of federal mortgage servicing and VA loan requirements, including : Improper advancement to foreclosure ; Failure to provide proper notice and appeal opportunity ; Application of false or unsupported fees ; Mishandling of borrower communications and modification processing.

I am submitting this complaint in good faith as a veteran and borrower seeking accountability and fair treatment under federal law. I am also providing a copy to the VA Loan Guaranty Oversight team and will cooperate fully with both agencies to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: AR

Complaint narrative:
I previously disputed several accounts and credit inquiries under FCRA 611 ( 15 U.S.C. 1681i ) due to inaccurate or unverifiable information being reported on my credit file. Specifically, I challenged a charge-off account from XXXX XXXX with a balance of {$940.00}, a charge-off from XXXX XXXX with a XXXX of {$7200.00}, and a collection account reported by XXXXXXXX XXXX, which originated from XXXX XXXX XXXX XXXX, with a balance of {$250.00}. These accounts are inaccurately reported and do not reflect my actual credit obligations. Additionally, I disputed credit inquiries from XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX, as they appear to be either unauthorized or inaccurately reported. Despite initiating these disputes, I have not received any documentation confirming that a proper reinvestigation was conducted. These items continue to appear on my credit report, which suggests that the required investigation under the Fair Credit Reporting Act has not taken place or was not completed in good faith.

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 2025-10-20 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: AR

Complaint narrative:
I previously disputed several accounts and credit inquiries under FCRA 611 ( 15 U.S.C. 1681i ) due to inaccurate or unverifiable information being reported on my credit file. Specifically, I challenged a charge-off account from XXXX XXXX with a balance of {$940.00}, a charge-off from XXXX XXXX with a XXXX of {$7200.00}, and a collection account reported by XXXXXXXX XXXX, which originated from XXXX XXXX XXXX XXXX, with a balance of {$250.00}. These accounts are inaccurately reported and do not reflect my actual credit obligations. Additionally, I disputed credit inquiries from XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX, as they appear to be either unauthorized or inaccurately reported. Despite initiating these disputes, I have not received any documentation confirming that a proper reinvestigation was conducted. These items continue to appear on my credit report, which suggests that the required investigation under the Fair Credit Reporting Act has not taken place or was not completed in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: AL

Complaint narrative:
I am submitting my fourth formal dispute regarding multiple unresolved and inaccurate items appearing on my credit report. Despite my previous submissions, I have determined that several reported issues remain unresolved, inaccurately reported, or unverifiable. These ongoing discrepancies continue to misrepresent my true credit history and create a misleading portrayal of my financial reliability. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related provisions of the Fair Debt Collection Practices Act ( FDCPA ), I am demanding a comprehensive reinvestigation of each disputed item listed below. It is your legal responsibility to ensure that all reported information is accurate, complete, and verifiable, or it must be corrected or removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1700.00}

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 2025-10-20 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-10-20 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: NJ

Complaint narrative:
I am writing to formally dispute several inaccurate or outdated pieces of personal information being reported on my credit file. These inaccuracies are misleading, violate the Fair Credit Reporting Act ( FCRA ), and must be corrected or deleted immediately. This information does not accurately represent my identity, current residence, or employment history. I have reason to believe these inaccuracies may be connected to errors in reporting or possible identity misuse, and therefore, I demand that you conduct a full reinvestigation under the Fair Credit Reporting Act, 15 U.S.C. 1681i.

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 2025-10-20 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 disputing the accuracy of the following accounts appearing on my credit report : XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), both listed as late closed with a {$0.00} balance, and XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX both showing as charge-offs. These accounts are inaccurately reported because the {$0.00} balance reflects that there is no remaining debt, yet they continue to be reported as derogatory. This creates a misleading representation of my creditworthiness and violates the requirement for maximum possible accuracy in credit reporting. 
Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], consumer reporting agencies must ensure that information contained in consumer reports is accurate and up-to-date. Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or have reason to believe is inaccurate. Additionally, FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] provides my right to dispute such inaccuracies and requires reinvestigation within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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:
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXXXXXX, CA XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Incorrect Name : - XXXX XXXX XXXX Employer - XXXX XXXX XXXX Incorrect Name : - XXXX  XXXX Employer - XXXX XXXX  Listed below are the Accounts that are being challenged XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-20 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: TX

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2025-10-20 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: TX

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: NC

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: MS

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2025-10-20 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: CT

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2025-10-20 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: CT

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with non-monetary relief