vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 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: NE

Complaint narrative:
After realizing I was not going to be able to make the mortgage payment in time, I agreed to go into a forbearance plan in early XXXX with the company. This was a way to give me enough time to acquire the money needed to get current with the loan. I was under the impression that going into this plan would not effect my credit score or be reported to the credit unions at all as that can have beyond significant damages to my life leading into more financial struggles. I was not even made aware that there was different types of forbearance plans that would have me protected from this. Up until they reported me in XXXX, I had an exceptional payment history with no recorded late payments and my credit score was around XXXX. My credit score is now XXXX because they reported me late in XXXX and XXXX. Now I can not even do a cash out refinance on my other property because of these " late payments ''. I would have never done the forbearance plan had I known the damages upfront, but the company portrays this plan as a way to " help '' which is far from what they have done. I called the company today XX/XX/year> to see if there was a way to resolve this problem. The representative stated that I could be moved into a new forbearance plan where they do not report to the credit unions for being late. It is the exact same plan as the one I entered to in XXXX just now they won't report me for being late. I then asked if there was a way to fix the credit report for XXXX and XXXX so that I can get my credit score back as well as do a cash out refinance on my one property. With these late mortgage payments reflecting on my credit report I will not be able to acquire a new loan or do a cash out refinance for up to a year. The representative stated they could not do anything about reporting me late for XXXX and XXXX. I am wanting to dispute this as it is going to cause major financial difficulties for me. I am a XXXX veteran, I have been serving as a XXXX XXXX XXXX XXXX XXXX. I work hard, and under false pretenses of this company wanting to " help '' I went with this plan, had I known I would have found an alternate route.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: CO

Complaint narrative:
This complaint is about BMO Alto online banking. Within 30 days time, there has been multiple Manual transfer from my savings account from BMO alto themselves. The first example, XXXX XXXX there was a site wide glitch ( I have documents from BMO alto stating this ) that caused duplicate withdraw requests. This resulted in an external account through my main bank XXXX, over drafting over {$750.00}. I was hoping it was a one time issue. Now XX/XX/XXXX, I request transfer {$650.00} from my external XXXX checking out into my BMO alto account. That {$650.00} was taken out of my XXXX  account, deposited in BMO Alto, THEN the same day my transaction history on my BMO account says Manual Deposit Return for {$650.00}. I called their customer service, they could not tell me anything. Told me someone would call me back to explain the manual return. It is now XX/XX/XXXX and MY {$650.00} HAS NO BEEN RETURN OR REDEPOSITED INTO MY ACCOUNT! BMO Alto will not give me an answer, they do not know where my money is and no one is giving me any answers! I called a second time on XX/XX/XXXX and was told it was because my XXXX External account was in the negative but I have bank statements to prove that is not true! I have official record showing BMO Alto took my money. {$650.00} has been moved from my account without my permission. Twice has BMO Alto mismanaged my account within 30 days time. Once MY funds are recovered, I will be closing my account and telling every consumer to not open any account with them. Update XX/XX/XXXX the {$650.00} funds have not been returned yet. An associate called me XX/XX/XXXX to explained the reason the {$650.00} was being manually retuned to my external account was because I was denied access. I asked why was I being denied access, both the BMO Alto and the XXXX accounts have my name on them! I asked if I could submit proof I do have access, he said theres no way to do that. I asked him where my money was, he still did not have an answer! He said he will make a note and quickly got off the phone. It has been over 7 business days and I still do not have answers or know where my {$650.00}. The resolution I want is to receive my lost funds back and close my BMO Alto account! I am attaching screenshots to show the {$650.00} being withdrawn from XXXX, deposited into BMO then immediately being manually return debit. I will submit more documentation if needed. 


Ticket number : XXXX BMO ALTO XX/XX/XXXX Ticket XXXX XXXX BMO alto XX/XX/XXXX XX/XX/XXXX claim to Better business bureau # XXXX XX/XX/XXXX XXXX calling back about XXXX XX/XX/XXXX no funds or communication

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: NC

Complaint narrative:
I contacted the furnisher and the credit bureau to request verification under the Fair Credit Reporting Act ( FCRA ) 611, but the responses received did not include sufficient documentation proving the accuracy of the account. The information continues to appear on the credit report, negatively affecting the clients creditworthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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 contacted the furnisher and the credit bureau to request verification under the Fair Credit Reporting Act ( FCRA ) 611, but the responses received did not include sufficient documentation proving the accuracy of the account. The information continues to appear on the credit report, negatively affecting the clients creditworthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: TN

Complaint narrative:
Unauthorized access to my credit report by multiple companies has directly damaged both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That commitment has not been honored, as these inquiries still remain. This continued inaction is unacceptable. The presence of these potentially fraudulent entries is deeply concerning and strongly indicates possible identity theft. This ongoing issue has caused significant emotional and financial distress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harvard Collections, LLC
State: NC

Complaint narrative:
This account has appeared twice on my credit reports. I have no knowledge of this account. I have never been notified of any such account. The collections agency is HARVARD COLLECTION, address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. They have appeared then disappeared on my credit report then reappeared 2 years later. I am still unaware of what this debt is for and I have never received any communication via email or phone calls to attempt to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
It happened XX/XX/XXXX when I submitted a police report about my things being stolen. I provided a police report stating all the items that had been taken which included my phone military id TX id debit cards phone and my wedding ring. They keep denying my claim bc they said I participated in the activities. Which is false I also provided and itinerary of my flights and hotel stays with my bank statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: MI

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: MI

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: TX

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: TX

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: CO

Complaint narrative:
This is a formal dispute of inaccurate information under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Please reinvestigate and correct or delete the following items : 1. Personal Identifiers Keep only : Name : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/year> Delete all other name versions, prior addresses, and non-current employers. Retaining outdated identifiers violates the duty to maintain maximum accuracy ( 1681e ( b ) ).

2. Bankruptcy Public Record The public record entry lacks court name, filing date, and source. Please provide written documentation of the procedure used to verify per 1681i ( 7 ) and 1681i ( a ) ( 6 ) ( B ) ( iii ). If you can not verify through the official court record or if any field is incomplete, delete the record under 1681i ( a ) ( 5 ) ( A ). 
XXXX. XXXX XXXX  Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: TN

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge, and I have never opened, managed, or consented to them. This is entirely unacceptable and constitutes a serious misrepresentation of my financial history. I take my credit profile extremely seriously, and the presence of these unauthorized accounts is both alarming and deeply concerning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: TN

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge, and I have never opened, managed, or consented to them. This is entirely unacceptable and constitutes a serious misrepresentation of my financial history. I take my credit profile extremely seriously, and the presence of these unauthorized accounts is both alarming and deeply concerning.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These accounts are being fraudulently listed under my name without my explicit permission or knowledge, and I have never authorized, overseen, or endorsed them in any form. This is utterly intolerable and a gross violation of my rights, as it injects false and harmful data into my financial record. I treat my credit profile with the highest priority, and the discovery of these unauthorized accounts has triggered extreme anxiety and potential irreversible damage. I require instant, unequivocal clarification on how these accounts surfaced and who bears responsibility for reporting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
Synchrony bank- they are improperly using the wrong credit score when i apply everytime. My credit score is XXXX however they are saying my credit score is in the low XXXX, when I know that for a fact is not correct as I monitor my credit closely. I can get approved on a Brad New car no problem yet this company discriminates very biasedly. The last time I made a complaint you guys did nothing.

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