vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I am the confirmed successor in interest to an FHA-insured loan serviced by PennyMac. This issue arose immediately after the end of a forbearance plan that concluded in XX/XX/year>. As I attempted to resolve the loan through available FHA options, I was repeatedly obstructed in requesting a partial claim. 

Just before I was officially recognized as successor, the original borrower and I spoke with PennyMac representatives XXXX and XXXX, who stated that I would need to submit a written request for legal review if I wished to explore a partial claim as a successor in interest because this was not an option they offered. They offered this option to the borrower, which was concerning since successors in interest should be treated as borrowers and offered equal access to loss mitigation solutions under Regulation X and HUD guidelines. 

I followed up with a formal written letter on XX/XX/year>. I was assigned to a representative in the complaints department ( XXXX ), who responded on XX/XX/XXXX but did not substantively address my concerns. I was never given a clear explanation as to why I could not access a partial claim. Instead, I received generic loan modification paperworkan option I had already made clear was not appropriate for my financial situation. 

I then submitted a second RESPA request on XX/XX/XXXX. I followed up again, today XX/XX/XXXX, to request a letter of acknowledgment. Upon doing so, my account was reassigned within the hour to yet another representative ( XXXX ), effectively restarting the communication timeline. He stated he would research my case and respond by Thursday, XX/XX/year>. Meanwhile, the servicing portal shows a third contact ( XXXX ), with no direct contact informationonly the main line. 

To further complicate matters, the mortgage assistance ( loan modification ) documentation I received lists a due date of XX/XX/year>, while the online portal reflects a conflicting deadline of XX/XX/year>. I have not received any clarification regarding which date governs my response. Regardless, I have made it clear that loan modification is not the loss mitigation tool I am pursuing. 

I am attempting in good faith to resolve this loan through an FHA-compliant solution following the end of our forbearance plan. The borrower and I began pursuing loss mitigation options in mid-XXXX XXXXXXXX, prior to the plans expiration, yet the process has been plagued by misinformation, conflicting communication, and shifting points of contact. PennyMacs ongoing failure to provide a clear explanation for the denial of a partial claim, along with unresolved deadline discrepancies, appears to violate Regulation X and established FHA servicing policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
Under the FCRA, you can seek statutory damages if a creditor furnishes inaccurate information about a debt, such as incorrectly reporting a charge-off while still claiming you owe the debt. I an requesting the 1099c if its not provided i a demand to remove this off my collection

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-15 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: OH

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 An Collection Opened at XXXX XXXX XXXX on XX/XX/XXXX Account number XXXX. These accounts have resulted in fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX  {$290.00}

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 2025-04-15 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: MN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax 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 : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX BALANCED {$890.00} ( Original Creditor : PROGRESSIVE ) XXXX BALANCED {$0.00} XXXX XXXXXXXX XXXX BALANCED {$2200.00} XXXX XXXXXXXX XXXX BALANCED {$460.00} XXXX XXXX XXXX XXXXXXXX BALANCED {$2200.00} XXXX XXXX XXXX XXXX BALANCED {$1200.00XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX BALANCED {$390.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX IN. XXXX ) XXXX BALANCED {$350.00} XXXX XXXX XXXX BALANCED {$890.00} XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 # ( private case number ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-04-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: CA

Complaint narrative:
I requested validation of a debt allegedly related to XXXX XXXX XXXX XXXX The collection agency ( TrueAccord ) responded with documents that appear to contain a forged signature. The handwriting and signature on the document are not mine. I informed them of this and requested they cease collection activity and not report this to the credit bureaus. 
I have also taken screenshots of my credit report showing that this debt is not currently reported. If it is added to my credit file, I will consider it a violation under the Fair Credit Reporting Act ( FCRA ). 
I am requesting that this debt be removed or not reported at all due to fraudulent documentation and lack of proper validation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-04-15 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: NY

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report and to demand a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite my previous requests, you have failed to provide verifiable proof of the alleged accuracy of the disputed account ( s ), thereby violating your obligations under FCRA 611 ( a ) and 623 ( b ). Furthermore, your continued failure to properly investigate and correct these inaccuracies constitutes a breach of FCRA 617, which imposes liability for noncompliance. 
Legal Precedents and Monetary Liabilities for Noncompliance Your failure to properly investigate and correct inaccurate reporting is not only a violation of federal law but has also resulted in substantial legal liability for credit reporting agencies ( CRAs ) and data furnishers in numerous cases. Below are examples of cases where courts have held CRAs and data furnishers liable for FCRA violations, resulting in significant monetary damages : XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) The U.S. Supreme Court upheld a class-action lawsuit against XXXX for improperly labeling consumers as potential XXXX XXXX XXXX XXXX without proper verification. The company was ordered to pay over {$60.00} million in damages. 
XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages. 
XXXX. XXXX v. Equifax XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in damages. 
XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) XXXX was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm. 
5. CFPB Enforcement Action against XXXX ( XXXX ) The Consumer Financial Protection Bureau ( CFPB ) fined XXXX {$3.00} XXXX for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights. 
These cases illustrate that CRAs and data furnishers who fail to adhere to FCRA regulations can and will be held accountable through legal action and financial penalties. Your refusal to provide verifiable proof of the accuracy of the reported account ( XXXX ) places you in direct violation of your statutory obligations and exposes you to potential legal consequences. Pursuant to FCRA 611 ( a ), I demand that you immediately conduct a thorough and reasonable reinvestigation of the following account ( XXXX ) : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NY

Complaint narrative:
My student loan was transferred from XXXX to MOHELA in late XXXX. I created a new MOHELA account and began making timely monthly payments through what I believed to be the correct site. Unbeknownst to me, my transferred XXXX loan required a separate login and payment portal that was never clearly communicated. I continued making payments for months unaware of this second account. 

In early XXXX, I was finally informed that my transferred XXXX loan was showing as delinquent. I immediately made a partial payment and brought the account current the following month. Despite my consistent payment behavior and good faith efforts, MOHELA reported the late payment to the credit bureaus. 

I submitted a request for goodwill adjustment to MOHELA, which they denied. I am now asking the CFPB to review this situation and assist in removing or correcting the derogatory information on my credit report, which does not reflect my intent or normal financial behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Accuracy, my personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: PA

Complaint narrative:
When I reviewed my credit report today, I saw some accounts that shouldnt be there, and I dont know how they appeared. I checked as I normally do, but suddenly these errors showed up. I thought it might just be a display problem, so I refreshed my browser, but the issue persisted. Because of this, Im requesting a thorough examination of the documents I submitted to ensure this doesn't happen again.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
" This account is showing as closed on my credit report, but it should be removed entirely. I am requesting its removal as it is no longer relevant and does not accurately reflect my current credit history. Please investigate and delete this account from my credit file. ''

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 2025-04-15 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Hi .. this is about saks & XXXX XXXX XXXX XXXX XXXX They all have been stealing items luxury items that arent luxury. These items come from XXXX costing {$2.00} to {$5.00} dollars .. the whole time they charge a XXXX or more .. these has to be against the law in some XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft and have attached my FTC report. I am writing to file a formal complaint regarding multiple accounts that have been improperly reported by on my my credit report without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by 12 CHR 1006,34 ( D ( 3 ), yet they have proceeded to place several accounts, Charge off accounts and inquiries on my credit report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. 2. I have not been afforded the opportunity to dispute the account in accordance with 12 CER 1006.34 ( c ) ( 4 ) ( 1 ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debts. The credit agency has resorted to false, misleading, and deceptive means in their reporting efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 2.Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). I did not receive any notice from any accounts I have listed on FTC report providing me the opportunity to dispute the validity of this debt within 30 days, as required by law. Additionally, I have attempted to submit supporting documents proving that my information was compromised in the Equifax breach and documents proving that I am a victim of identity theft. This has caused significant harm to my credit score and has resulted in undue financial and emotional stress. I kindly request that the CFPB investigate this matter, as I believe these accounts were reported without following the proper legal procedures. Additionally, I request that the credit bureau remove these account 's from my credit report and cease all collection efforts immediately. Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint.

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 2025-04-15 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: SC

Complaint narrative:
This credit bureau Equifax have 4 accounts on my credit account with no name of the collection agencies with no information on these accounts that Im not aware of having just account numbers by 4 unknown collection agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: TX

Complaint narrative:
Incorrect inquiries from on my TRANSUNION credit report from XXXX and 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