vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
PennyMac has failed to provide required information and assistance regarding my VA-backed mortgage while I am under an active XXXX XXXX bankruptcy. I submitted multiple written requests asking for : ( 1 ) loss mitigation options, ( 2 ) assumption requirements, ( 3 ) documentation guidelines, and ( 4 ) a clear written process for deferment, forbearance, or modification. Instead of giving written responses as required under 12 CFR 1024.36 and 1024.41, PennyMac repeatedly instructed me to call other departments, which I can not do due to being hard of hearing. 

My monthly statements contain contradictory information. They show large Total Payment Due amounts despite also stating, This is not an attempt to collect a debt because of my bankruptcy status. These conflicting figures are misleading and cause confusion in violation of CFPB servicing standards.

Despite receiving payments through my XXXX XXXXXXXX trustee, PennyMac filed a Motion for Relief from Stay without providing any loss mitigation support or responding to my written requests. They have not explained options that should be available under VA guidelines, including deferment, assumption, modification, or temporary hardship relief.

I am also a veteran, and PennyMac has not confirmed whether they completed the required SCRA/DMDC military status check before taking legal action. I am requesting investigation into their servicing failures, inconsistent communication, and lack of required written responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I regularly check my credit report because my credit score is important to me, and I keep seeing inaccurate and false information that should not be there. This has been a recurring issue that has never been resolved, no matter how many times I bring it up. It is extremely stressful and exhausting, and it continues to negatively and unfairly affect both my life and my credit score.

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 2025-11-25 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: NY

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
All my account was opened under trafficking-related coercion. I am requesting immediate removal and cessation of reporting. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
All my account was opened under trafficking-related coercion. I am requesting immediate removal and cessation of reporting. XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-11-25 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: NY

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 2025-11-25 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 non-monetary relief
Consumer complaint received 2025-11-25 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 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I am an existing Chase customer, and in my Chase app, there was a banner stating that I was 'already ' approved for the Chase Sapphire Reserve card, and 'pre-approved ' for another card. I clicked on the already approved link and was denied. I did a quick internet search and discovered several other consumers had experienced the same issue. I called Chase card services, and two different representatives told me that both pre-approved and approved were interchangeable and neither meant a card would be issued upon agreeing to the terms and conditions, and both would require a full credit check. This is highly misleading and false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I regularly check my credit report because my credit score is important to me, and I keep seeing inaccurate and false information that should not be there. This has been a recurring issue that has never been resolved, no matter how many times I bring it up. It is extremely stressful and exhausting, and it continues to negatively and unfairly affect both my life and my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
It's been one year since they closed both of my credit cards and penalized me for being late even though I never went beyond the 30-day due date. Moreover over I had a hard time making my payment online happened made a call to their representative at that time she made mistakes on my checking account and routing number and because of that they didn't receive my payment on time. But still, I called back and gave the correction before the 30-day due date .. After that keep receiving threads and calls from Bank of America that I have gone beyond my due dates. Since then I have always been charged with high penalties without any justification or fairness for their mistake that happened on XX/XX/2025. I believe at this challenging time Bank of America is nothing but a Charlatan in daylight for the customer. Please look into it.

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 2025-11-25 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: AZ

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AZ XXXX Experian P.O. XXXX XXXX XXXX, TX XXXX Subject : Request to Block and Delete Fraudulent Accounts Identity Theft Victim Dear Experian Consumer Services, I am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 U.S.C. 1681c-2 ( a ). I am a victim of identity theft because of the Experian data breach, and unauthorized accounts have been fraudulently opened in my name. 

The fraudulent accounts that I have identified on my credit report are as follows : 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 XXXXXX/XX/XXXX Under 15 U.S.C. 1681c-2 ( a ), I request that Experian promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile. 

Furthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes. 

If you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity. 

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 2025-11-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Company : PayPal Product : PayPal Debit Card / Dispute Resolution Issue : Incorrect dispute decision, failure to consider evidence, improper account debiting Complaint : I am filing a complaint regarding XXXX  mishandling of a dispute for transaction ID XXXX, associated with dispute case XXXX XXXX PayPal issued me a provisional credit for a PayPal XXXX XXXX transaction with XXXX, then reversed the credit based solely on the merchants response, without reviewing or considering the full evidence I submitted. 

This dispute was incorrectly classified. PayPal treated it as if I was disputing a damaged, defective, or not as described product. That is not accurate. My dispute was based on : XXXX. Mechanical failure of the rental vehicle The car required XXXX XXXX XXXX to jump the battery on XXXX separate occasions throughout the trip, which made the vehicle unreliable and not in working mechanical condition. 


XXXX. A fraudulent fee attempt by the XXXX host The host attempted to charge me a smoking fee without providing any evidence, which violates XXXX own burden-of-proof policy. 


XXXX. Incomplete merchant evidence The merchant did not address the mechanical issues, XXXX XXXX calls, or the fraudulent fee attempt in their response. PayPal accepted an incomplete response and denied my claim without considering the full factual situation. 


XXXX. Misinterpreted user review PayPal cited a XXXX review I left earlier in the trip, before the repeated mechanical failures occurred and before the host attempted the fraudulent fee. This review does not negate the documented problems that happened afterward. 



I submitted detailed evidence, including proof of each XXXX XXXX call and screenshots showing the hosts improper fee attempt. None of this appears to have been reviewed or considered. 

Despite this, PayPal has placed a negative balance of - {$400.00} on my account and is demanding repayment of the reversed provisional credit. This balance resulted from a dispute that PayPal mishandled and decided incorrectly based on incomplete merchant information. 

I am requesting that : PayPal reopen and properly review my dispute, PayPal review all evidence, including XXXX documentation and the fraudulent fee attempt, The negative balance be removed while the case is re-evaluated, The provisional credit be restored if the dispute is reversed. 


I am asking the CFPB to assist because PayPal did not provide an adequate or fair review through their internal process. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: NV

Complaint narrative:
XXXXExperian 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 systematic 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 expectation, 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: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: UT

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Issue : American Express has blocked my XXXX account ( ending XXXX ) for over a week despite the account being fully paid and currently showing a credit balance of over {$1000.00}. 
Details : American Express automated system repeatedly attempts to draw an autopayment from a bank account that is no longer attached to my profile. This outdated bank information should not be active, and these repeated attempts are generated entirely by their internal systems. 
My correct bank, XXXX XXXX XXXX, paid my balance early and in full, well before the due date. Despite this : My account remains blocked I have a credit balance The system continues attempting charges from the inactive account I am being charged {$39.00} each time their system makes these failed attempts This has now caused significant financial and practical harm : My XXXX XXXX payment was declined ( soon to affect tenants in my home ) XXXX XXXXXXXX  business website renewal was declined Additional recurring charges continue to fail I was forced to cancel my XXXX trip to see my family including my aunt and uncle in their XXXX, because I would not have been able to pick up the rental car I reserved or check into a hotel without access to my American Express XXXX American Express is my only payment method ; I do not have a debit card I contacted American Express repeatedly. Multiple agents including XXXX in the XXXX XXXX XXXX XXXX reviewed the situation and stated that : The block makes no logical sense given the accounts credit balance The issue is entirely due to system automation They can not override the system They escalated internally but were unable to resolve the restriction I then emailed the CEO, XXXX XXXX. He personally responded, stating that someone in his office would look into the matter. No one from American Express has contacted me since, and the restriction remains in place. 
Requested resolution : I am requesting that the CFPB require American Express to : Immediately remove the restriction and restore my ability to use my card Correct the internal system issue causing automated pulls from an inactive bank account Refund all {$39.00} fees ( so far XXXX of them and undoubdetly more to come ) caused by these system-generated attempts Confirm that the inactive bank information is removed and can not be used by their system Address the practical and financial harm caused by the ongoing block, including the declined essential services and the cancellation of my XXXX travel The situation is ongoing and continues to cause substantial personal and financial hardship.

Company response to consumer: Closed with monetary relief