vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
Subject : Formal Complaint Against PennyMac Loan Services , LLC for Inaccurate Credit Reporting During Federal COVID-19 Forbearance Dear Consumer Financial Protection Bureau , I am submitting this complaint regarding PennyMac Loan Services , LLC, my former mortgage servicer, for inaccurate and damaging credit reporting related to my federally protected COVID-19 mortgage forbearance period.

During the height of the COVID-19 pandemic, my mortgage account with PennyMac was placed under an approved federal forbearance protection program authorized under the CARES Act and related federal relief provisions. Under this program, borrowers were granted temporary payment relief due to pandemic-related hardship, and servicers were expressly prohibited from reporting adverse informationsuch as delinquent or late paymentsto the credit bureaus during any approved forbearance period.

Despite my compliance with all forbearance requirements, PennyMac reported two 30-day late payments during this protected timeframe. These derogatory marks have remained on my credit report for over two years, significantly reducing my credit score and affecting my ability to obtain favorable credit terms for future purchases.

When I contacted PennyMac to dispute this issue, they responded that negative credit reporting was not part of the federal relief program. This statement is factually inaccurate and contradicts the intent and provisions of federal mortgage forbearance protections enacted under the CARES Act. The primary purpose of these programs was precisely to prevent negative credit reporting for borrowers affected by a national emergency or natural disaster.

Furthermore, this mortgage account has been completely paid off and should no longer reflect any derogatory information. Yet, the two inaccurate late payments continue to appear on my credit report.

I respectfully request the CFPB to : Investigate PennyMac Loan Services , LLC for improper credit reporting practices during a federally protected forbearance period.

Require PennyMac to correct all inaccurate late payment information and ensure my credit report accurately reflects that no late payments occurred during forbearance.

Ensure compliance with CARES Act provisions designed to protect consumers from credit harm during federally declared emergencies.

Enclosed are supporting documents, including my payment history, correspondence with PennyMac, and a copy of my credit report reflecting the inaccurate entries.

Thank you for your attention to this matter. I request acknowledgment of this complaint and prompt corrective action to restore the accuracy of my credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: IL

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) be in error : 1. Data Breach XXXX XX/XX/year> This is not mine. I am a victim of a recent data breach and I have included a police report. Please investigate and remove from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am disputing the inaccurate late payment and delinquent status currently being reported on my accounts. These reports are incorrect, as my payment history and original agreements do not support them. I request that the status be changed to Paid as Agreed and that all delinquency notations be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disputed inquiries on report that had multiple inquiries that I did not allow They have since declined my dispute causing denial and financial hardship

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 2025-10-25 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: OH

Complaint narrative:
MOHELA should have reported the account as closed with a {$0.00} balance Under the * * Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ) * *, furnishers like MOHELA are legally obligated to report accurate and current information and must promptly correct or delete any data they know to be inaccurate. 

In addition, under the * * XXXX XXXX Credit Reporting Resource Guide ( CRRG ) * * published by the Consumer Data Industry Association ( CDIA ), furnishers must : - Report transferred or sold accounts as * * closed with zero balance * * ; - Cease furnishing obsolete or inaccurate information ; and - Update tradelines within the required 3045 day correction window after dispute resolution.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
They violated my rights as a consumer under 15 USC XXXX and I need these accounts blocked and deleted off my credit report as soon as possible. XXXX Account:XX/XX/XXXX DateXXXX XXXX XXXX, Remove Inquiries : XX/XX/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 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a complaint as a follow-up to my previous disputes regarding multiple accounts that continue to appear on my credit file despite being unverified, inaccurate, and reported in violation of federal law. These accounts have caused ongoing harm to my creditworthiness and financial stability, and I am requesting their permanent removal, not correction, from my credit report.

The first account in question is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting late payments for XX/XX/XXXX ( 30 ), XX/XX/XXXX ( 60 ), and XX/XX/XXXX ( 60  ). This account is being reported in violation of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), which requires a reasonable reinvestigation of disputed information, and FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or should know is inaccurate. Furthermore, FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) requires credit reporting agencies to maintain maximum possible accuracy of information. This account continues to reflect unverifiable late entries despite my proof of timely payments. Under 605B / 15 U.S.C. 1681c-2, I am requesting the blocking and removal of this inaccurate information. 
The second account, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a reported balance of {$2400.00}, is listed as Charged Off. This reporting is inaccurate and unlawful due to the absence of a 1099-C for a debt exceeding {$600.00}, which must be filed when a charge-off or debt cancellation occurs. This failure to provide documentation constitutes a violation of FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], as the account can not be verified as accurate without proper supporting evidence.

The third and fourth accounts, both reported by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with balances of {$26000.00} and {$11000.00}, are also listed as Charged Off. These accounts are being inaccurately reported as delinquent despite unresolved verification and missing documentation. Their continued reporting violates FCRA 607 ( b ) and is considered misleading and damaging to my credit profile. I have not received proper proof, validation, or documentation verifying that these accounts remain legally enforceable or that they were accurately charged off.

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 2025-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Summary : American Express refused to reverse an unauthorized automatic renewal charge from XXXX on XX/XX/XXXX. 
I was not provided any advance notice or clear consent for this renewal, which violates the Restore Online Shoppers Confidence Act ( 15 U.S.C. 8401 ) and California Automatic Renewal Law ( BPC 17600 ). 

When I disputed the charge, Amex dismissed my case, claiming it was an authorized recurring paymenteven though I never agreed to or received any notice of renewal. 

Im requesting that Amex reopen this dispute and credit my account for the unauthorized charge. The merchants billing practices were deceptive, and Amexs refusal to act leaves me without protection as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
The vehicle is protected from repo by a notice of bankruptcy case filing. The debt has been charged off/ closed in their system. Therefore when I called to get a vehicle release I was transferred between redemption and bankruptcy that both claimed they had no authority to release the car due to its status. 

XXXX  has an agreement with Collateral Recovery Team requiring them to withhold property inside the vehicle, until they receive a release of property from XXXX. This is a non collateral loan. Aiding XXXX to violate bankruptcy, consumer debt, and property laws on their behalf should have serious consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Debois, Inc.
State: OH

Complaint narrative:
I recently received the results of my credit dispute regarding the repossession account listed below, which your investigation stated was verified as accurate. 

Account XXXX : DBS financial Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am requesting a detailed description of the procedure used to verify this information, including : The name, address, and telephone number of the party or individual you contacted to verify the account ; and The documentation or method used to confirm the validity and accuracy of the information reported. 

I am also requesting that you provide copies of any documentation used in your investigation, as the original creditor failed to send me a Notice of XXXX XXXX XXXXXXXX XXXX regarding this repossession making the reporting incomplete and inaccurate under 15 U.S.C. 1681s-2 ( a ). 

Please respond within the required 15 days as stated in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting clarification on the method used to verify my block request for a fraudulent account reported under XXXX XXXX, opened on XX/XX/year>, with account number XXXX and a balance of {$940.00}. I submitted all required documentation, including FTC Police Report # XXXX, my government-issued ID, proof of address, and Social Security verification . I specifically requested that this fraudulent item be blocked within four business days ; however, this has not been completed. Please provide an explanation of how my request was verified and the current status of the block.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXXXX/XX/XXXX Section XXXX Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. XXXXg. They were to notify me of this in writing XX/XX/XXXX days prior, I was not As the original creditor, only I can validate this debt. I do not validate debtXX/XX/XXXX* Section XXXX Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. XXXXg. They were to notify me of this in writing XX/XX/XXXX days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several 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 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 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 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This serves as my second formal follow-up demanding the permanent deletion of accounts and inquiries that remain inaccurately reported and unverifiable on my credit profile. These items continue to violate my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Fair Credit Billing Act ( FCPA ). 
Please note that this letter is not a correction request but a formal demand for full deletion of the accounts and inquiries listed below due to noncompliance and lack of verifiable validation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} * * Violations : FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) ; FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ; FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) ; FCRA 605B 15 U.S.C. 1681c-2 This account continues to report inaccurately despite a zero balance and lack of verifiable delinquency. No substantiated documentation or lawful evidence has been provided. Immediate permanent deletion is required. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} * * Violations : FCRA 611 ( a ) ; FCRA 605B This account is being reported as Charged Off without evidence of balance or 1099-C issuance. As no valid proof of debt exists, this trade line must be permanently removed under the law. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance Owed : {$1800.00} * * Violations : FCPA 807 ( 15 U.S.C. 1692e ) ; FDCPA 809 ( 15 U.S.C. 1692g ) ; FCRA 605B 15 U.S.C. 1681c-2 This collection is reported without proper validation or notice of debt verification. Under FDCPA 809, collectors must provide verification before reporting ; absence of this constitutes unlawful reporting and requires permanent deletion. 
XXXX XX/XX/year> XXXX  XX/XX/year> Violations : FCRA 604 ( f ) 15 U.S.C. 1681b ( f ) ; FCRA 605B 15 U.S.C. 1681c-2 These inquiries appear without permissible purpose or my consent. Under FCRA 604 ( f ), any access to a consumer report without a legally defined purpose is unauthorized and must be permanently deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Klarna AB
State: AZ

Complaint narrative:
Randomly around XX/XX/XXXX or XXXX, my Klarna Debit card would not allow me to withdraw funds transfer funds or even use the card on my phone anywhere I would try to use it at. it sent me a page that said I needed to verify my identity using my passport ID or drivers license and upload a selfie. I did this so many times I cant even count and it still said they can not verify my identity and it said it helps if I update my profile information so as XXXX that was, I had no idea what it meant so I called customer service. I tried with customer service for about a few days and did every possible thing. They asked me to do such as make sure my address on my ID card matches my XXXX XXXX credit report and matches my account. and I tried to send to a bank account. I tried to cancel the card, and I even was given permission that the people who had the authority to just approve my account anyway even if you could not verify my would do that but it never happened. They keep giving me different time. Frames of XXXX will be solved and I really need that money because it is affecting my library in my ability to pay for a place to live and eat and simply just live my life. The last time I spoke with him was today, XX/XX/XXXX and they said I have to wait XXXX hours for my credit report to update. I even file a dispute with XXXX XXXX and talk to them through chat, but still nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief