vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is inaccurately reporting my name as XXXX XXXX XXXX, which is incorrect and does not match my full, legally recognized name. This error can lead to significant confusion and potential financial harm, including misidentification, credit denials, and erroneous associations with other individuals. Given the critical importance of accurate personal identifying information in credit assessments, Equifax has a responsibility under 15 U.S.C. 1681e ( b ) to ensure that all information in its credit reports is accurate, complete, and properly verified. This section of the FCRA explicitly requires Equifax to maintain maximum possible accuracy, which includes ensuring that consumer names are correctly reported without errors or omissions. 

Moreover, the presence of this incorrect name on my credit report raises serious concerns about Equifax 's overall data management practices. Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted Equifaxs history of failing to conduct proper investigations into consumer disputes, violating federal requirements for thorough and accurate data verification. Specifically, the CFPB has alleged that Equifax engaged in sham investigations that failed to properly address consumer disputes, violating 15 U.S.C. 16811 ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681 ( a ) ( 5 ), which mandate accurate data reporting and timely correction of errors. This history of poor data management only increases the likelihood that my personal information has been mishandled, potentially due to data breaches or inadequate verification processes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: GA

Complaint narrative:
I am submitting this complaint concerning inaccurate credit reporting by XXXX XXXX XXXX XXXX XXXX, related to my mortgage account during a COVID-19 forbearance period. 


In XX/XX/year>, I entered into a forbearance agreement with XXXX under the CARES Act due to financial hardship caused by the COVID-19 pandemic. The agreement allowed for temporary suspension of mortgage payments, with the understanding that such accommodations would not negatively impact my credit report. 
XXXX XXXX XXXX Despite adhering to the terms of the forbearance and resuming regular payments thereafter, I discovered that XXXX reported late payments for [ insert specific months ] to the credit bureaus. This reporting contradicts the provisions of the CARES Act, which stipulate that if a borrower was current before entering into a forbearance agreement, the account should be reported as current during the forbearance period. 

I have contacted XXXX to address this issue, but they have not corrected the inaccurate reporting. This has adversely affected my credit score and financial standing.

I request that the CFPB investigate this matter and ensure that XXXX rectifies the credit reporting to accurately reflect the forbearance status during the specified period. 

Thank you for your 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 explanation
Consumer complaint received 2025-05-15 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: GA

Complaint narrative:
I am submitting this complaint concerning inaccurate credit reporting by XXXX XXXX XXXX XXXX XXXX, related to my mortgage account during a COVID-19 forbearance period. 


In XX/XX/year>, I entered into a forbearance agreement with XXXX under the CARES Act due to financial hardship caused by the COVID-19 pandemic. The agreement allowed for temporary suspension of mortgage payments, with the understanding that such accommodations would not negatively impact my credit report. 
XXXX XXXX XXXX Despite adhering to the terms of the forbearance and resuming regular payments thereafter, I discovered that XXXX reported late payments for [ insert specific months ] to the credit bureaus. This reporting contradicts the provisions of the CARES Act, which stipulate that if a borrower was current before entering into a forbearance agreement, the account should be reported as current during the forbearance period. 

I have contacted XXXX to address this issue, but they have not corrected the inaccurate reporting. This has adversely affected my credit score and financial standing. 

I request that the CFPB investigate this matter and ensure that XXXX rectifies the credit reporting to accurately reflect the forbearance status during the specified period. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: GA

Complaint narrative:
I am submitting this complaint concerning inaccurate credit reporting by XXXX XXXX XXXX XXXX XXXX, related to my mortgage account during a COVID-19 forbearance period. 


In XX/XX/year>, I entered into a forbearance agreement with XXXX under the CARES Act due to financial hardship caused by the COVID-19 pandemic. The agreement allowed for temporary suspension of mortgage payments, with the understanding that such accommodations would not negatively impact my credit report. 
XXXX XXXX XXXX Despite adhering to the terms of the forbearance and resuming regular payments thereafter, I discovered that XXXX reported late payments for [ insert specific months ] to the credit bureaus. This reporting contradicts the provisions of the CARES Act, which stipulate that if a borrower was current before entering into a forbearance agreement, the account should be reported as current during the forbearance period. 

I have contacted XXXX to address this issue, but they have not corrected the inaccurate reporting. This has adversely affected my credit score and financial standing. 

I request that the CFPB investigate this matter and ensure that XXXX rectifies the credit reporting to accurately reflect the forbearance status during the specified period. 

Thank you for your 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 2025-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: CA

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than XXXX years, unless they are criminal convictions. These items are outdated and must be removed immediately. 

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
I am submitting this complaint concerning inaccurate credit reporting by PennyMac Loan Services , LLC, related to my mortgage account during a COVID-19 forbearance period. 


In XX/XX/year>, I entered into a forbearance agreement with PennyMac under the CARES Act due to financial hardship caused by the COVID-19 pandemic. The agreement allowed for temporary suspension of mortgage payments, with the understanding that such accommodations would not negatively impact my credit report. 
XXXX XXXX XXXX Despite adhering to the terms of the forbearance and resuming regular payments thereafter, I discovered that PennyMac reported late payments for [ insert specific months ] to the credit bureaus. This reporting contradicts the provisions of the CARES Act, which stipulate that if a borrower was current before entering into a forbearance agreement, the account should be reported as current during the forbearance period.

I have contacted PennyMac to address this issue, but they have not corrected the inaccurate reporting. This has adversely affected my credit score and financial standing.

I request that the CFPB investigate this matter and ensure that PennyMac rectifies the credit reporting to accurately reflect the forbearance status during the specified period. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Re : Dispute of Inaccurate Information under 15 U.S.C. 1681i To Whom It May Concern, I am writing to formally dispute the accuracy of the information listed on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i. Despite my previous request for validation of the debt, I have not received any written confirmation or documentation substantiating the alleged debt from the creditor or the reporting agency. 
I hereby request that you immediately reinvestigate this item and provide me with the following information in writing : XXXX XXXX XXXX  The original documentation provided by the creditor to substantiate the accuracy of the reported debt ; The name, address, and contact information of the original creditor ; A detailed explanation of how the verification process was conducted, including the specific documents used to verify the information ; Any correspondence or notes related to the investigation process. 

If the disputed information can not be verified or substantiated in compliance with 15 U.S.C. 1681i, I respectfully request that it be removed or corrected in accordance with the law. Additionally, please provide me with a new copy of my credit report reflecting any corrections or deletions. 

Please respond to this dispute within the legally mandated timeframe and send all correspondence to the address listed above. 15 BUSINESS DAYS Thank you for your prompt attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-15 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: GA

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, I made a hotel booking through XXXX and was charged {$2100.00} on my Chase credit card ( account ending in XXXX ). However, due to an error made by an XXXX employee, my reservation was canceled and I was unable to check into the hotel. 

I contacted XXXX, and they acknowledged the mistake. On XX/XX/year>, they sent me a written confirmation via email stating that a full refund of {$2100.00} had been processed to my credit card ending in XXXX. However, I never received the refund in my account, even after waiting more than XXXX business days, as stated in their message.

Because the refund never arrived, I filed a dispute with Chase. The dispute was denied. After locating XXXX refund email, I submitted it to Chase, but they still refused to reverse the charge and claimed the transaction was valid. 

This is not a case of fraud. I authorized the charge, but the service ( hotel stay ) was not provided, and the merchant promised a refund that was never delivered. The refund has still not appeared on my credit card account.

I am requesting CFPBs assistance to urge Chase to reinvestigate the case using the attached documentation. I would like either to receive the promised refund or for Chase to credit the amount back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
I have had very high minimum payments due in recent months and the totals shown on my statements do not equal what is showing due as the payment. They have recently added a {$15.00} a month " service fee '' and that along with my interest charge of {$63.00} total {$78.00}, but they show {$110.00} as the minimum payment due. I am closing both of the accounts I have with them immediately, but will pay off my balances.

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 2025-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am writing to file a complaint regarding serious irregularities with the handling of my mortgage loan, including potentially fraudulent transfers, missing documentation, and contradictory information from the financial institutions involved. 

Account Details : - Original lender XXXX XXXX XXXX XXXX ( now out of business ) - Original loan number : XXXX - Current servicer : XXXX XXXX XXXX - Current loan number : XXXX From XXXX  Modification ( Where did XXXX come in this picture? No assignments to them? ) - Property address : XXXX XXXX XXXX XXXX, Fl XXXX Issues of concern : XXXX. IMPROPER TRUST TRANSFER : My mortgage loan was originated with Lender 's Direct. Documentation indicates it was transferred into a trust approximately XXXX years after the trust 's closing date, which I understand violates the trust 's governing documents and potentially constitutes an invalid transfer. 

XXXX. CONTRADICTORY INFORMATION : I have documentation showing my loan was transferred to XXXX XXXX Bank of America XXXX after Bank of America acquired XXXXXXXX XXXX XXXX  ). However, when contacted, Bank of America denies having ever owned or transferred or serviced my loan, creating confusion about the true chain of title. 

XXXX. MISSING ASSIGNMENT DOCUMENTATION : My loan was eventually modified by XXXX XXXX, but there is no assignment documentation showing how the loan was legally transferred from Bank of America ( or its subsidiary ) to Chase. This represents a break in the chain of title. 

XXXX. CHANGING LOAN NUMBERS : Throughout these transfers, my loan number has changed without proper documentation explaining these changes, raising concerns about whether these represent the same underlying obligation. 

These irregularities raise serious questions about who legally owns my mortgage note and whether any entity has proper standing to enforce it. I am concerned that these issues may represent violations of : - The Real Estate Settlement Procedures Act ( RESPA ) - The Truth in Lending Act ( TILA ) - State laws regarding proper recording of mortgage assignments- Legal requirements for proper securitization of mortgage loans Requested resolution : XXXX. A complete audit of my loan file showing all transfers, assignments, and changes in loan numbers XXXX. Documentation validating that all transfers were legally executed and properly recorded XXXX. Clarification on the conflicting information provided by Bank of America XXXX. Confirmation that the entity currently claiming ownership of my loan has legal standing to do so I have attempted to resolve these issues directly with both Bank of America and XXXX  without satisfactory resolution. I am happy to provide copies of all relevant documentation upon request.

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 2025-05-15 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: MO

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 response to consumer: Closed with non-monetary relief