vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO

Complaint narrative:
- On XX/XX/XXXX I called PennyMac and spoke with XXXX. I questioned PMI payments since the recast in XX/XX/XXXX when our loan balance dropped way below 78 % of home value ( approx. 29 % ). Was told recast final XX/XX/XXXX with XX/XX/XXXX first revised payment. She stopped future PMI payments and I requested reimbursement for PMI payments from recast ( approx. {$5100.00} ). Was told 4-5 days to review and we would be reimbursed if an error by PennyMac. Notes : XXXX ) PennyMac statement XX/XX/XXXX shows Principal Reduction of {$470000.00} on XX/XX/XXXX ( approx. 69 % ) ; XXXX ) Per CFPB website : Is my PMI automatically canceled once my principal balance is 78 percent of the homes original value? 
Yes. Even if you dont ask your servicer to cancel PMI XXXX in general, your servicer must automatically terminate PMI on the date when your principal balance is scheduled to reach 78 percent of the original value of your home. For your PMI to be cancelled on that date, you need to be current on your payments. Otherwise, PMI will not be terminated until shortly after your payments are brought up to date. 
- On XX/XX/XXXX I spoke with XXXX, XXXX XXXX XXXX XXXX ( supervisor ). After no contact in a week, I called back and spoke to three individuals, including XXXX. XXXX said she would investigate, including reviewing previous phone conversations regarding the recast. Would elevate, if necessary. Said would call back next day. 
- On XX/XX/XXXX XXXX called to say still investigating and will call the next day. 
- On XX/XX/XXXX spoke with XXXX ( supervisor ). After nearly XXXX weeks with no call/communication, I called back. Repeated issue to XXXX who contacted XXXX. Said they would work together to resolve. 
- On XX/XX/XXXX spoke with XXXX. XXXX called to say still working with XXXX and she would call. XXXX left voicemail, which I returned voicemail. 
- On XX/XX/XXXX spoke with XXXX XXXX XXXX. XXXX called to say still working with XXXX and she would call. Told XXXX is XXXX XXXX. XXXX called and said request denied, as this is not PennyMacs process to cancel PMI unless a specific request is made. I reiterated CFPB guidance and our understanding that is was automatic. Requested contact info for legal dept and was provided a XXXX XXXX XXXX I requested all phone conversations and she sent email to which I replied requesting conversations. XXXX to double check CFPB guidance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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:
I am disputing the following charged-off accounts on my Equifax credit report XXXX XXXX XXXXXXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$1500.00} XXXX - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$3400.00} XXXX XXXX - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : I am disputing the following inquiry on my Equifax credit report : XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is entirely unacceptable, as it presents inaccurate and misleading information regarding my financial history. I take my credit profile very seriously, and the presence of these unauthorized accounts has caused me significant concern. I require immediate clarification on why these accounts are appearing and who is responsible for reporting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following information on my TransUnion credit report, which I believe is inaccurate or incomplete : Charged-Off Accounts XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$5700.00} XXXX Card Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00} XXXXXXXX XXXX Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXXXXXX XXXX Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00} XXXX XXXX  Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} Bankruptcy Case Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2025-12-03 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: GA

Complaint narrative:
I am disputing the following charged-off accounts on my Equifax credit report : XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$580.00} XXXX XXXXXXXX - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$1500.00} XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$0.00} XXXX XXXXXXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$480.00} XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$590.00} Inquiries :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital Systems LLC called me and when talking with that person, I was offered a settlement amount. Since I do not pay via my cell phone, I asked that an email be sent so I could pay online. When I go home, I went online and pulled up the email, but the offered settlement amount was not there so I called one of the numbers I found online for the company. I browsed around the site and found the companies name, an address in XXXX, and several phone numbers. The new person I was speaking to offered the settlement amount and when I asked why this wasn't being offered online, he went into a speech about the offer could be done immediately on the phone and that my credit card info would not be given verbally, but by key pad on my cell phone. To go ahead and pay the debt, I did enter my credit card number, but when the man came back on the phone, he asked if I wanted to authorize the payment with the card information I had entered and I said " correct ''. He would not accept that and told me I had to answer " Yes '', but when I would only say " correct '', he became belligerent and demanded I had to say " Yes '' to authorize the payment. When I would not say " Yes '', the man stated that if I didn't authorize the payment with a " Yes '' that I could be sued. At that point I told him I felt that what was happening was fake and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-12-03 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax 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 and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
On XX/XX/year>, I visited XXXX XXXX for a pre-scheduled simple facial. During the appointment, a staff member presented what she described as a promotional offer and asked me to sign on a tablet. At no point did she disclose that I was signing a credit application or authorizing the opening of a CareCredit XXXX Synchrony Bank ) credit card account in my name. 

No information was provided regarding : The fact that this was a credit card application Any terms and conditions Interest rates or repayment obligations Pricing of any products Total cost of the transaction Cancellation or refund rights That a large balance would be charged immediately I was rushed through the digital signature process on a tablet with no ability to read the document. I believed I was signing a routine consultation form, not financing paperwork.

I later received a CareCredit billing statementthis was the first time I became aware that : A credit card account had been opened without my informed consent. 
XXXX XXXX had charged approximately {$4800.00} on the account. 
After I complained, the spa removed {$2100.00}, but refused to reverse the remaining {$2600.00}, claiming services were already rendered. 
This remaining balance includes a {$1900.00} product charge for items I never intended to purchase and for which no pricing was disclosed during the tablet signing process. 
The spa also added a {$500.00} consultation fee and {$250.00} skin scan fee, neither of which was disclosed or authorized. 
The spa provided misleading information and falsely claimed that no credit application had been submitted. 

I immediately contacted XXXX XXXX and requested cancellation and a full refund. They refused to respond. I later sent a formal demand letter, which was also ignored. 
I then contacted Synchrony Bank, reported the incident as fraud, and requested an investigation. Synchrony noted my dispute but has not reversed the charges, and the unauthorized account remains open with a balance I never approved. 

This situation involves : Deceptive and misleading sales practices Failure to disclose prices, fees, and contract terms Opening a credit account without informed consent Unauthorized charges Refusal to issue refunds Potential violations of TILA, EFTA, and state Unfair/Deceptive Acts and Practices ( UDAP ) laws

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 2025-12-03 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: FL

Complaint narrative:
I am contacting you as a consumer to dispute certain information reported on my credit report that appears to be inaccurate. The following accounts are in question : Charged-Off Accounts : Account Name Account Number Date Opened Balance XXXX XXXX XX/XX/XXXX {$1400.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$590.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$630.00} Late XXXX XXXX Account Name Account Number XXXX XXXX XXXX Inquiries : No inquiries are being disputed at this time. 

I request that TransUnion review these accounts, verify their accuracy, and update or remove any information that is inaccurate or unverifiable in accordance with the FCRA. 

Thank you for your prompt attention to 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 2025-12-03 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
In late XX/XX/year>, a deferred interest charge of {$4900.00} was added to my XXXX account ending in XXXX. I had been making consistent, early, above-minimum payments and was never clearly notified that the promotional payoff deadline was approaching. I have paperless billing and when I go to the app, it is just to pay my bill. I received no warning, disclosure, or communication that nearly {$5000.00} in retroactive interest would be added. 

When I contacted the company, representatives gave me conflicting information. One told me I would receive a grace period and would only need to pay the original promotional balance. Another suggested a hardship program that would close my account without fully explaining the consequences. A supervisor named XXXX refused to escalate my call further, said she was the top of the line, and declined to provide additional help. 

The company ultimately gave me only a 30-day grace period to pay the entire balance in full, which is not reasonable and does not resolve the dispute. I am requesting that this retroactive deferred interest charge be removed or that the promotional period be extended so I can pay the balance without nearly {$5000.00} in added interest. I am acting in good faith, and I am asking for fair treatment and clearer disclosures.

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 2025-12-03 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: TN

Complaint narrative:
15 U.S.C. 1681e ( b ) failure to ensure accuracy 15 U.S.C. 1681i failure to investigate inaccurate data 15 U.S.C. 1681s-2 ( a ) furnishing inaccurate or defamatory information 15 U.S.C. 1681s-2 ( b ) failure to correct inaccurate information after dispute 15 U.S.C. 1681n/o statutory, punitive, and actual damages -- - ECOA Violations ( Adverse Action Letter Problem ) 15 U.S.C. 1691 ( d ) ( 2 ) creditor must give specific reasons 12 C.F.R. 1002.9 ( a ) ( 2 ) can not use vague, generic reasons 12 C.F.R. 1002.9 ( b ) ( 2 ) must provide documentation on request Equal Credit Opportunity Act protects against discrimination based on : Race Sex Public assistance income Marital status Age And your letter mentions public assistance dangerously close to discrimination. 



-- - Defamation Under FCRA Courts have ruled that a creditor falsely accusing a consumer of causing a financial loss is : Defamation Negligent furnishing Willful misconduct This is a major leverage point. 


-- - Why This Denial Letter Is Extremely Powerful It says : YOU CAUSED XXXX XXXX A LOSS. 

That is : A factual accusation A financial accusation A character accusation A creditworthiness accusation Made without proof And not allowed under federal law You now have : Proof of damages Proof of inaccurate or unverifiable information Proof of adverse action Proof of ECOA violations Proof of FCRA violations Proof for a lawsuit or CFPB escalation I have filed a complaint against XXXX XXXX multiple times due to the inaccurate information. They have put on my credit report and they're refusing to correct or provide documentation of this. Accusation. 
I have submitted XXXX 4 complaints with documentation showing that they have pulled my children 's so security funds from the account multiple times without justification, and in refusing to pay them back, they have broken multiple laws. 
And refuse to correct them and I'm asking for a full refund of my children 's benefits. A correction to my credit profile. 
And also documentation of this issue

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 2025-12-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NE

Complaint narrative:
On XX/XX/XXXX I moved out of XXXX XXXX XXXX after being handed a bill for XXXX after previously having a balance of XXXX. 

After moving out on XX/XX/XXXX, they sent me a letter on XX/XX/XXXX saying that I now owed {$15000.00}. 

The collection company they chose to use is called National Credit Systems. 

On XX/XX/XXXX XXXX  said I owed {$15000.00} NOW On XX/XX/XXXX I received a new collection debt saying I now owe {$22000.00} After repeated attempts to get proof of these " new '' charges, I'm met with resistance on XXXX  website and referred back to XXXX  XXXX, who's portal I can no longer use because I'm not a resident. 

No one has provided with a detailed ledger, proving these charges. 

On or around XX/XX/XXXX I submitted proof of renters insurance. 

No one from XXXX XXXX or XXXX  has provided me with a valid reason for this false and manufactured debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my 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 explanation
Consumer complaint received 2025-12-03 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: NJ

Complaint narrative:
I am formally disputing the following items on my Experian credit report. I request an investigation and removal or correction of any information that can not be verified as accurate. 

Disputed Charged-Off Accounts : Account Name Account Number Date Opened Balance XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$430.00} XXXX XXXX XXXX XX/XX/XXXX {$860.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$14000.00} Disputed Late Payment Accounts : Account Name Account Number XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX accounts because [ insert reason ]. Please investigate and provide proof of accuracy for each item. Any information that can not be verified should be corrected or removed promptly.

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 2025-12-03 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: GA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens 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