vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA

Complaint narrative:
My mortgage is serviced by PennyMac and owned by XXXX XXXX. During the XXXX forbearance period, PennyMac applied a XXXX XXXX  Payment Deferral and recorded a subordinate lien for the deferred balance. I have been trying to remove this lien because it is blocking me from obtaining a HELOC. 

On XX/XX/year>, PennyMac instructed me to pay the deferral/forbearance balance directly to them. I followed their instructions and paid the full amount. PennyMac accepted the payment. However, as of todays date, PennyMac is now telling me that this deferral balance can not be paid off, that paying it does not remove the lien, and that there is nothing they can do to lift the lien from my property. 

This is incorrect according to Fannie Mae servicing requirements. Under the Fannie Mae XXXX XXXX XXXX ( Payment Deferral ), the deferred balance is secured by a subordinate lien that the borrower may satisfy at any time. Once the balance is paid, the servicer is required to release the lien.

PennyMac accepted my payment but is refusing to apply it in a way that removes the lien. This is preventing me from obtaining a HELOC and is causing financial harm. PennyMac is giving contradictory information and refusing to follow XXXX XXXX servicing rules. 

I am requesting that the CFPB require PennyMac to : Apply my XX/XX/XXXX payment to fully satisfy the Payment Deferral subordinate lien, Provide written confirmation that the deferred balance is paid in full, Record the lien release with the county, and Correct any internal errors or misrepresentations that the Payment Deferral can not be paid off.

I followed PennyMacs instructions and paid exactly what they told me to pay. They accepted the funds and are now refusing to remove the lien or acknowledge that it can be satisfied. This appears to be a servicing error and a violation of the XXXX XXXX Servicing Guide.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: PA

Complaint narrative:
I am filing this formal complaint against TransUnion on behalf of XXXX XXXX, due to TransUnions failure to comply with the Fair Credit Reporting Act ( FCRA ) and its requirement to perform a lawful reinvestigation within the 30-day statutory timeframe mandated by FCRA 1681i ( a ). TransUnion is now past due on its legal obligation. Despite the consumers dispute being fully submitted, TransUnion failed to provide valid reinvestigation results, failed to verify the disputed information, and continued reporting inaccurate, incomplete, and harmful dataconstituting a direct violation of federal law. 

Upon reviewing the TransUnion credit file, multiple entries were found to be inconsistent, unverifiable, and out of compliance with industry-standard Metro-2 reporting guidelines. These errors include incorrect delinquency histories, improper charge-off reporting, contradictory activity dates, and unresolved dispute remarks. Instead of addressing the inaccuracies within 30 days, TransUnion allowed the statutory period to expire while continuing to publish the same disputed data. This failure has caused financial harm and negatively impacted the consumers creditworthiness, access to credit, and fair lending opportunities. 

The following accounts contain disputed, inaccurate, or unverifiable information : XXXX Acct # : XXXX XXXX XXXX XXXX XXXX XXXX  Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX  These accounts include inconsistent dates of last payment versus last activity, delinquency codes that do not align with Metro-2 standards, incorrect balances and past-due amounts, and dispute remarks that indicate unresolved issues. The presence of Dispute resolved ; customer disagrees while the underlying inaccuracies remain confirms that TransUnion did not complete a valid reinvestigation. Because TransUnion missed the 30-day legal deadline, it can not continue to lawfully report unverifiable or inaccurate information.

TransUnions failure to reinvestigate within the required timeframe, combined with its ongoing reporting of unverified data, constitutes negligence and non-compliance under federal law.

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 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX Midland Credit XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Dear MCM, Acct : XXXX I am writing to inform you that reporting information to my credit reports ( XXXX XXXX XXXX ) is a form of communication subject to the Fair Credit Reporting Act ( FCRA ). As such, I request that you cease and desist all communication with regards to my credit report. 


Under the FCRA, I am entitled to certain protections and rights when it comes to the information contained in my credit report. Specifically, I am protected from inaccurate or outdated information being reported, as well as from any unauthorized access to my credit report. 
Furthermore, I would like to remind you of the following FCRA codes that pertain to my rights as a consumer : - FCRA Section 611 : Procedures for Investigating Disputed Information - FCRA Section 615 : Requirements Relating to Adverse Actions - FCRA Section 616 : Civil liability for willful noncompliance - FCRA Section 617 : Civil liability for negligent noncompliance I expect that you will comply with my request to cease and desist all communication regarding my credit reports ( XXXX XXXX XXXX  ). Failure to do so may result in legal action being taken against you. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
I am contacting you again regarding a previous dispute I filed, for which I have received no adequate response and have seen no corrections reflected on my credit report. Despite ongoing monitoring, the inaccurate items I challenged are still being reported. This leads me to believe that Experian failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

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 2025-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
I reached out to AIDVANTAGE explaining that there are fraudulent accounts in my name I submitted documentation showing these are fraudulent accounts however AIDVANTAGE has failed to remove these accounts my lawyer has also submitted documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
I am contacting you again regarding a previous dispute I filed, for which I have received no adequate response and have seen no corrections reflected on my credit report. Despite ongoing monitoring, the inaccurate items I challenged are still being reported. This leads me to believe that TransUnion failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When reviewing my credit report, I discovered several hard inquiries that I never authorized. 
These inquiries do not correspond to any applications or credit requests that I made, and I believe they may have resulted from identity theft or misuse of my personal information. 
To protect myself and follow the proper legal process, I filed a FTC Report ( XXXX XXXX. XXXX ), documenting the unauthorized activity. 
Under the Fair Credit Reporting Act ( FCRA ), once a valid identity-theft report is submitted, the credit bureau is legally required to block and delete any unauthorized information within four ( XXXX ) business days. 
This requirement is clearly established under FCRA Section 605B ( 15 U.S.C. 1681c-2 ). 
Despite providing my police report and full documentation, the unauthorized hard inquiries remain on my credit file. 
Each inquiry represents access to my private credit data without permissible purpose, violating FCRA Section 604 ( 15 U.S.C. 1681b ). 
The continued appearance of these inquiries has harmed my credit score and raised concerns about the security of my personal information. 
It is unfair that I should suffer damage to my creditworthiness due to inquiries that I never authorized or initiated. 
I have acted responsibly by filing a police report, gathering proof, and contacting the bureau directly. 
However, no correction has been made, and I am now seeking the CFPBs intervention to ensure compliance with federal law and restoration of my consumer rights.

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 2025-11-19 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: NC

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

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 2025-11-19 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 submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear XXXX I am submitting this dispute statement regarding inaccuracies found in my credit report. The accounts listed below are in dispute due to incorrect reporting and need to be corrected in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$5400.00} XXXX XXXX XXXXXXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$2500.00} XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$3400.00} XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Late Payment Accounts : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: AL

Complaint narrative:
I am disputing the following accounts on my Equifax credit report. These entries contain inaccuracies, and I request they be reviewed and corrected in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts XXXX XXXX  XXXX, XX/XX/XXXX, {$8000.00} Inquiries XXXX, XX/XX/XXXX XXXX  XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX Late Payments XXXX, XXXX XXXX, XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing a complaint against my lender regarding a VA refinance loan. I paid a {$500.00} fee specifically for a cash-out refinance valuation that was never performed. The lender did not provide any updates or results and ignored my emails for weeks. 
Without informing me, they proceeded with a VA IRRRL instead of the cash-out refinance I requested. When I questioned this, I received a voicemail saying I would be responsible for rate lock extension fees if I did not sign quickly, even though the delays were caused by the lender, not me. 

They scheduled a closing at my home without my permission, which I consider coercive and inappropriate. They also attempted to apply my {$500.00} payment toward the IRRRL instead of refunding it, even though the service I paid for was never completed. 

This situation involves : Improper collection and misuse of fees Misrepresentation of services performed Lack of required disclosures Unauthorized initiation of a loan Pressure and coercive communication Potential steering away from the loan type I requested I am requesting a full refund of the {$500.00} fee back to my credit card I paid with and an investigation into the lenders conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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 writing to dispute multiple items on my credit report. Below are the details of the accounts I am disputing, separated by bureau. The disputes concern inaccuracies in the reporting of charged-off accounts, inquiries, positive accounts, and late payments. Kindly investigate the discrepancies and ensure that my credit report reflects accurate information. 


Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, {$2300.00} XXXX, XXXX, XX/XX/XXXX, {$3900.00} XXXX, XXXX, XX/XX/XXXX, {$5300.00} XXXX, XXXX, XX/XX/XXXX, {$35000.00} XXXX, XXXX, XX/XX/XXXX, {$15000.00} XXXX, XXXX, XX/XX/XXXX, {$10000.00} XXXX, XXXX, XX/XX/XXXX, {$450.00} XXXX, XXXX, XX/XX/XXXX, {$3200.00} XXXX, XXXX, XX/XX/XXXX, {$10000.00} XXXX, XXXX, XX/XX/XXXX, {$1800.00} XXXX, XXXX, XX/XX/XXXX, {$1900.00} XXXX, XXXX, XX/XX/XXXX, {$460.00} XXXX, XXXX, XX/XX/XXXX, {$8000.00} XXXX, XXXX, XX/XX/XXXX, {$8600.00} XXXX, XXXX, XX/XX/XXXX, {$1200.00} XXXX, XXXX, XX/XX/XXXX, {$23000.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} Inquiries : XXXX, XX/XX/XXXX Late Payments : 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 2025-11-19 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: MO

Complaint narrative:
I am disputing the following accounts on my Equifax credit report. These entries contain inaccuracies, and I request they be reviewed and corrected in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and 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 2025-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: MN

Complaint narrative:
Rent Recovery Solutions is reporting a collection account that was not properly validated. I never received notice of this debt from the original creditor. I requested debt validation via certified letter. They responded only with a copy of a final statement and a leaseno photos, no inspection records, no proof of carpet damage, no proof of notice, and no proof that the charges are legitimate. This does not meet FDCPA validation requirements. They have continued reporting without validation. I request the account be removed from my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-19 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: PA

Complaint narrative:
I, ( XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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:
This is a follow-up complaint regarding Equifaxs continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
dit bureaus. The dates of last payment, dates of first delinquency, charge-off dates, and the balance information are not consistent between TransUnion, Experian, and Equifax. These inconsistencies violate FCRA 623 ( a ) ( 1 ) ( A ), which requires furnishers to report accurate and consistent information. 

I previously disputed this account directly with the credit bureaus, and XXXX XXXX verified it without providing any of the information required to validate the accuracy of the data they are reporting. They have not provided the original signed contract, itemized account history, or proof of how the balance was calculated. 

Additionally, the account is being reported with past-due information even though a charge-off should not continue to accumulate or update past-due balances after the date of charge-off, which is a Metro 2 violation. 

This complaint is about XXXX XXXX failure to accurately report the account and their failure to properly investigate my dispute. I am requesting a full investigation and correction under FCRA 611 and 623.

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