vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA

Complaint narrative:
I paid down my mortgage with PennyMac to XXXX  % Loan-to-Value ( LTV ) as of XX/XX/XXXX, well below the required 80 % threshold for PMI cancellation. Despite this, PennyMac continued charging me private mortgage insurance ( PMI ) for over a year. When I contacted them to ask why PMI hadn't been removed automatically, they said I was required to submit a written request to initiate cancellation. 

At the time of this complaint, my LTV is approximately XXXX %, based on the original loan value. However, PennyMac 's servicing team informed me they would continue charging PMI until XXXX, which is when the loan would have been paid off unless I explicitly requested cancellation in writing. 

This seems to violate the intent, if not the letter, of the Homeowners Protection Act of XXXX, which mandates automatic PMI termination at 78 % LTV and allows borrowers to request cancellation at 80 % LTV.

My concern is that PennyMac is not proactively informing or assisting borrowers who have paid down their loans early, and instead continues to collect PMI payments long past the point of eligibility unless the borrower discovers this and takes additional action. This practice may result in thousands of dollars in unnecessary PMI charges if not caught.

I am seeking a full refund of PMI overcharges, and formal documentation that PMI has been permanently canceled. I also request that PennyMac review its borrower communication and internal tracking practices regarding PMI cancellation eligibility due to prepayments or rapid equity build-up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: IL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX XXXX XXXX XXXX AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX {$790.00} XXXX {$0.00} XXXX XXXX {$1300.00} XXXX {$0.00} XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$85000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account for an apartment lease that is inaccurate and not fully validated. I disputed the debt directly and received only an itemized statement from the original property ( XXXX Colony Apartments ), but no proof of ownership, no signed lease, and no chain of assignment or bill of sale. Under the Fair Debt Collection Practices Act, I have the right to request full validation, including documentation that legally assigns the debt to XXXX. Without that, this debt should not be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: AL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved.

The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
Account : Creditor Name : XXXX XXXX Account Number XXXX Date Opened : XX/XX/year> {$3700.00}

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 2025-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Chase lowered my credit limits on two cards then charged me over limit fees. They did not notify me prior to the lowering of my credit limits. Conveniently the limits where just below my balances which caused the fees. My credit score took a Hugh hit. I have never been delinquent or over limit. The lowering of my limits where unwarranted. This has caused monetary issues across my financial & credit worthiness. This is a common occurrence with chase & their credit card system. They are making millions by using this scheme. Lower credit limit to collect fees. We need a class action lawsuit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-08 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), including 15 U.S.C. 1692g ( a ) - ( b ), 1692e, and 1692f, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, I am requesting : 1. Assignment of Contract and Ownership Documentation Please provide the original contract or agreement that includes my signature, as well as the complete chain of assignment that shows a legal transfer of the debt from the original creditor to your agency. This includes all sale or transfer agreements that establish your legal standing to collect.

2. Proof of Legal Right to Collect Submit proof that your agency is legally authorized to collect debts in my state, including your debt collection license number, issuing authority, and current license status. If you are not the owner of the debt, include documentation that permits you to collect or act on the original creditors behalf.

3. Full Itemized Statement Include a detailed accounting of the alleged debtshowing the original balance, interest, fees, and any other charges. This is required under 15 U.S.C. 1692g ( a ) ( 1 ) - ( 4 ).

Until full validation is provided, all collection efforts must cease, including reporting this account to any credit reporting agencies. Continuing collection activity without proper validation may constitute a violation of federal law.

If your office is unable to provide the requested documentation within XXXX XXXX, I request that this account be removed from any credit reporting agencies and all collection efforts be discontinued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
For the past several weeks, I have been communicating with the following furnisher about unauthorized inquiries into my credit file : XXXX XX/XX/year> XXXX XXXX  XX/XX/year> I contacted the furnisher and have received no documentation bearing my signature showing that I authorized any inquiry whatsoever. Furthermore, the furnisher failed to provide documented permissible purpose as detailed in the Fair Credit Reporting Act. 

They came back as Unspecified. To my understanding, it means it can not be verified. I now request that you open an investigation Let me be clear on a matter of importance : I will not accept any documentation from your investigation that does not bear my signature authorizing the furnisher to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. 
In the absence of any such documentation bearing my signature, I formally request that this information be immediately removed from the credit file you maintain under my Social Security Number. 
Finally, I will not accept generic responses from you requesting that I deal directly with the furnisher regarding these matters. This step has already been completed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
They have 2 collections on my report and they say the accounts are closed but they are still reporting late payments. I have not done any business with this company. I had a collection removed a while back and I believe they have put it back in my report wrongfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: AZ

Complaint narrative:
The contract related to the account is reporting fraudulent information on my credit report and needs to be thoroughly investigated for 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 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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XX/XX/year> Dispute of Inaccurate Reporting - ACCOUNT ENDING IN XXXX Dear Equifax, Experian, and Transunion, I am writing to express my extreme frustration and disappointment with the continued inaccurate reporting of the above-mentioned account. Despite my repeated disputes, your agency has failed to accurately investigate and correct the errors. 


XXXX XXXX ACCOUNT ENDING IN XXXX This account has been reported as charged off, and reporting is innacurate I did not contract with your agency, and there is no valid basis for the debt. Your agency 's failure to investigate and correct the errors has caused me significant harm, including damage to my credit score and financial reputation.

I demand that you : 1. Immediately cease all reporting of this account until a thorough investigation is conducted.

2. Conduct a comprehensive investigation into the validity of the debt.

3. Provide me with documentation supporting the debt, including the original contract and proof of assignment.

4. Correct the inaccurate reporting and notify the credit bureaus to remove the erroneous information.

If I do not receive a satisfactory response within 30 days of this notice, I will pursue all available legal remedies, including filing complaints with regulatory agencies and seeking damages. 

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 2025-06-08 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: FL

Complaint narrative:
Fraudulent account being reported on my credit report. I filed an FTC identity theft report to remove these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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:
Fraudulent account being reported on my credit report. I filed an FTC identity theft report to remove these fraudulent accounts.

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 2025-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Brock & Scott, PLLC
State: GA

Complaint narrative:
I am the beneficial owner of a financial account ending in XXXX. I have discovered that XXXX XXXX XXXX XXXX, along with their legal representatives Brock & Scott PLLC, may have engaged in unauthorized use of my financial instruments including the collateralization and securitization of a promissory note without my informed consent or disclosure. 

Despite multiple written notices and demands for verification, XXXX XXXX XXXX XXXX has failed to provide : A certified copy of the original signed promissory note, Full accounting or chain of title records, Disclosure of any trust assignments, securitization transactions, or CUSIP identifiers, Proof of their legal authority to report negative information to credit bureaus. 

These omissions violate my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ), and Gramm-Leach-Bliley Act ( GLBA ). 

Additionally, they have continued reporting derogatory or charged-off status to credit bureaus without verifying the legitimacy of the debt, despite possible discharge via IRS Form 1099-A or 1099-C. I have not been given the right to challenge this information through verified documentation, which is required under 15 U.S.C. 1681i and 1681s-2 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EQUIFAX, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency EQUIFAX, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a credit card account at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ) and a collection account opened at XXXX XXXXXXXX XXXX XXXX XXXX a on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX rent on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX XXXXN on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ), a utility account opened at XXXX XXXX XXXX on XXXX XXXX under the account number ( XXXX ) and an credit account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX  on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) and an collection account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-08 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
in accordance with the Fair Credit Reportne act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : LVNV Funding LLC, has violated my rights incomplete and not accurate. And according to the fair credit reporting act Whenever procedures to assure maximum possibie accuracy of the information concerning the And according to 15 USC 16811 5 they are suppose to do this ( 5 ) Treatment of inaocurate ( A ) in generalit, after any reinvestigation under paragraph ( 1 ) of any information dispused And according to 15 USC 1631i 5 they are suppose to do this ( 5 ) Treatment of inaccurate ( A ) in XXXX, after any reinvestigation under paragraph ( XXXX ) of any information disputed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting agency shall ( promptly delete that item of information from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  information, as appropriate, based on the results of the reinvestigation ; and ( " ) prompty noity the furnisher of that information that the information has been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX relating to a consumer to any consumer reporting agency it the person knows or

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: MA

Complaint narrative:
Recently reviewed my credit report and noticed that fraudulent accounts. Can you please remove these accounts for my report because they are hurting my Ability to obtain credit, please delete promptly thank you

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