vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Ongoing inaccuracies reported by Experian on my credit report and their failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Specifically, the issues involve my XXXX account ( No. XXXX ) : XXXX. Duplicate Charge-Off Account Experian reports this account twice as a charge-off, resulting in a double negative impact on my credit report.

Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy. Duplicate reporting clearly violates this obligation.

Under 15 U.S.C. 1681i ( a ), I am entitled to have inaccurate information investigated and corrected. This has not occurred. 
XXXX. Re-Aging of the Charge-Off Charge-offs are one-time events ; however, Experian is updating this XXXX charge-off every month, effectively re-aging the account and artificially extending the period of negative reporting.

This practice is inconsistent with 15 U.S.C. 1681c ( a ), which limits the reporting period for adverse information, and constitutes a misrepresentation under 15 U.S.C. 1681e ( b ). 
Continuous re-aging harms my creditworthiness and misrepresents my payment history. 
XXXX. Failure to Provide Written Investigation Results I have sent multiple dispute letters to Experian, most recently on [ insert most recent date ], requesting correction of these issues. 
Under 15 U.S.C. 1681i ( a ) ( 2 ) and ( a ) ( 6 ), Experian is required to conduct a reasonable investigation of disputed information and provide the consumer with written results within XXXX  days. 
Experian has not provided any written response, nor have they corrected the inaccuracies. 
Documentation Enclosed : Copies of all dispute letters sent to Experian Proof of delivery / mailing receipts Experian credit report pages showing duplicate entries and monthly re-aging Requested Action : I respectfully request the Georgia Attorney Generals assistance to ensure Experian : XXXX. Conducts a lawful and reasonable investigation under FCRA. 
XXXX. Remove the duplicate XXXX charge-off accounts. 
XXXX. Provides written results of the investigation, as required by law. 
These reporting errors are causing significant, ongoing harm to my credit and appear to reflect noncompliance with federal consumer protection law. 
Thank you for your attention to this matter. I am available to provide additional documentation if needed.

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 2025-11-17 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:
Please review the supplied materials ; the questions arrived unexpectedly and may not have been authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I received notice from PNC that my accounts are linked to a 3rd party ( XXXX ). I never authorized this. I believe this authorization may have been forged while I was exploring home loan options.

I have asked PNC remove all associations with XXXX. PNC keeps saying I need to download an app. I don't have it, and I'm not downloading more stuff and giving them more information to sell. The whole point is to stop! 

I'm on their website, and expressly telling them that I do not authorize this. Rather than acknowleding my complaint, they are saying that XXXX is a phishing address. 

This was sneaky, and not agreed to at best, intentionally corrupt at most likely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
This is an inaccurate item. It shows as a late payment.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AL

Complaint narrative:
I checked my credit report to see a collection item on there for XXXX XXXX for {$1800.00}. I called XXXX and asked where this debt was coming from and the person on the phone stated it was for internet and cable service at an address of an apartment I have never lived at. The rep said the services were ordered over the phone. I never signed a contract and all of the corresponding information opening the account did not match my information including an email, phone number or anything on this account. I have never had XXXX internet or phone services. I disputed this already with the credit bureaus but somehow the collection showed back up on my report.

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 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bounce AI, Inc.
State: SC

Complaint narrative:
BOUNCE AI is falsely reporting on my credit. I have never had any accounts with them. Per my research BOUNCE AI is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Marlette Funding, LLC
State: IL

Complaint narrative:
In 2023 I invested {$11000.00} in XXXX. I was scammed and never got that money back. This year in XXXX an international company called XXXX XXXX XXXX was supposed to help me recover that money from XXXX fraud. The company checked my information and messaged me that the money could be recover. I had to make various payments and provide my details, including my account and routing number. XXXX day {$19.00} XXXX was deposited into my account but as soon as money entered my account, they told me that I had to transfer it to another account and then to XXXX. I thought it was the recovered money. It turned out it was money from a loan taken out on my name from BEST EGG without my consent. That money disappeared. I didn't recover anything. Now the bank expects payments of this loan. I'm unable to comprehend how the bank neglected to alert me to a fraudulent credit application submitted without my permission. This situation has cause significant distress. I requested all records and documentation related with this fraudulent loan attempt, but they said that they can give me this information. The bank sent me an email with irrelevant information without any details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
Summary PennyMac is falsely reporting my mortgage as 120180 days delinquent for XXXX 2025 despite ( XXXX ) my active deferment through XXXX, ( XXXX ) PennyMacs repeated instructions that my next payment was due XX/XX/XXXX, and ( XXXX ) my XX/XX/XXXX payment being made and accepted. XXXX provided contradictory instructions during XXXX, increased my monthly payment by over {$600.00} without itemization, later disclosed it was due to forced-placed insurance and retroactive billing, and then refused to apply my XX/XX/XXXX payment unless I paid approximately {$12000.00} upfront. These actions have caused significant harm, including the denial of a HELOC. 

Details of what happened In XX/XX/year>, I called XXXX to confirm deferment because I was still unemployed ; I was told I was current and to call back in XXXX to extend deferment if needed. 
In XX/XX/year>, during multiple calls, XXXX suddenly changed its position and claimed I could not extend the deferment because I had a job, and that I owed approximately {$12000.00} because of missed payments. 
My monthly payment had increased by over {$600.00}, and no representative could explain why. 
Only on XX/XX/year> after weeks of conflicting information did a representative finally explain that the increase was due to forced-placed insurance and that PennyMac had charged me retroactively for months of coverage during unemployment without prior clear disclosure. 

Despite all of the above, PennyMac instructed me on XX/XX/XXXX that to avoid the {$12000.00} demand, I needed to make the normal monthly payment on XX/XX/year>. 

On XX/XX/year>, I attempted to pay, but the online system would not accept payment during the deferment transition, and the phone payment center was closed. 
On XX/XX/year>, I called PennyMac, was told the exact payment amount due, and paid that amount. PennyMac accepted the payment.

After accepting the payment, PennyMac later refused to apply it and again claimed I owed {$12000.00}, contradicting the instructions provided on XX/XX/XXXX and XX/XX/XXXX. 

PennyMac then reported my loan as : 120 days late in March 2025 180 days late in April 2025 180 days late in XX/XX/year> This reporting is false and does not reflect the deferment agreement, the forced-placed insurance disputes, or my timely payment efforts. 

Impact & harm My credit reports now show severe delinquency notations that are factually inaccurate. 
I was denied a HELOC directly because of these inaccurate late marks. 
My credit scores have materially dropped. 
I experienced financial and emotional harm from contradictory instructions, unexplained charges, and refusal to apply a payment they accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
This complaint concerns new violations discovered after my prior CFPB complaint and involves serious misrepresentations regarding Note ownership, servicing-transfer handling, and RESPA/Reg X disaster-area protections. 
After the servicing transfer from United Wholesale Mortgage ( UWM ) to Carrington in XX/XX/year>, Carrington repeatedly claimed in writing that it was the current owner of the Note. This appears to be false. In my written request, I asked for : ( 1 ) the name and contact information of the actual Note holder, ( 2 ) a complete copy of the executed promissory Note with all indorsements, and ( 3 ) confirmation of whether the loan had been sold, transferred, or securitized. 
Carrington did not provide this information and instead issued blanket statements asserting ownership. My original Note and XXXX correspondence strongly indicate XXXX remained the lender/holder at the time of transfer. 
I also received a letter confirming my property is within a Presidentially Declared Disaster Area, which triggers heightened protections under RESPA/Reg X. Despite this, Carrington sent delinquency notices, intent to foreclose warnings, and refused to honor my previously approved HUD/FHA loss-mitigation plan. These actions appear to violate Regulation X 1024.41 ( k ) ( 3 ), 1024.41 ( f ), and 1024.35.

Carringtons written responses conflict with prior statements, raising concerns of misrepresentation of servicing authority and Note ownership. These inconsistencies directly affect my rights, my eligibility for HUD loss-mitigation, and the legality of any collection or foreclosure actions.

I am requesting CFPB review for : Misrepresentation of Note ownership Failure to provide required documentation under RESPA Violations of disaster-area protections Failure to honor a transferred, already-approved HUD loss-mitigation plan Premature or improper collection/foreclosure activity This complaint supplements my ongoing CFPB case with newly discovered violations and evidence. ALL ATTACHED EVIDENCE, including the fully executed notarized HUD Partial Claim packet ( pack1 and pack2 ) demonstrates that the loss mitigation plan was finalized and valid before the servicing transfer and Carrington 's continued efforts to ignore it has caused ongoing harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-11-17 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: MD

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts on my Equifax credit report. Please see the list of accounts I believe to be incorrect, along with the details : Charged Off Accounts : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$3200.00} XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$24000.00} 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: WA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Sent a wire from XX/XX/XXXXXXXX with citi as the intermediary. The account number had the intermediary account number and TD updated it to the beneficiary. 

We have proven beneficary has not received the funds and rejected them.. I have requested an XXXX and an XXXX from Citi to XXXX many times after they said they can not return the funds. They have not provided proof of the funds being delivered and accepted nor have they returned the funds.

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 2025-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
False information on reports Impossible dates ( DOFD before account opened ) Account marked closed but still showing balance/past due DOFD ( Date of First Delinquency ) Is Before the Account Open Date Your credit report shows : Date opened : XX/XX/XXXX Date of first delinquency ( DOFD ) : XX/XX/XXXX These dates do not make sense together. 
A debt can not become delinquent before it even exists. 

This is a major FCRA violation because DOFD determines how long a collection can legally stay on your credit report.

3. Missing Required Information Several fields are blank but legally required by the FCRA : Missing entries include : Date of last activity Date of last payment Date closed Scheduled payment amount Actual payment amount Terms Charge-off amount For a collection account, missing information can be considered incomplete or unverifiable, which is a reason to dispute. 

4. Reporting Months Reviewed : 3 but Showing Delinquency History That Doesnt Exist They show : Months Reviewed : 3 24-month payment history displayed with delinquency codes credit for midland This is inconsistent.

If they have only reviewed 3 months, they should NOT be showing extended delinquency coding.

5. Collection Account Labeled as Closed The file shows : MIDLAND CREDIT MANAGEMENT Closed Balance : {$690.00} Amount past due : {$690.00} A collection account typically is either : Open with a balance, or Closed with a {$0.00} balance when paid or sold.

Here it is : Closed, but Still reporting balance, AND Still reporting past-due amount This is inaccurate reporting.

6. Missing Original Creditor Information Fair Credit Reporting Act requires a debt buyer ( Midland ) to report : Original creditor Original account number ( partially masked ) Original balance Charge-off date by original creditor Your report shows none of that.

7. XXXX Section Shows Different Reporting Your XXXX  section states : Collection account. {$690.00} past due as of XX/XX/XXXX. 
On record until XX/XX/XXXX credit for XXXX But if DOFD was really XX/XX/XXXX, the fall-off date should be XX/XX/XXXX NOT XX/XX/XXXX. 
This mismatch shows the bureaus are not receiving consistent information from the furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: SC

Complaint narrative:
I am writing to dispute certain items on my Experian credit report, which I believe contain inaccuracies. The accounts in question are listed below : [ Charged Off Accounts ] XXXX, XXXX, XX/XX/XXXX, {$27000.00} XXXX, XXXX, XX/XX/XXXX, {$24000.00} XXXX, XXXX, XX/XX/XXXX, {$5300.00} CREDENCE RM, XXXX, XX/XX/XXXX, {$920.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$190.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$500.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$1300.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$400.00} XXXX XXXXXXXX, XXXX, XX/XX/XXXX, {$480.00} [ Inquiries ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX [ Late Payments ] 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 2025-11-17 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 unrelated to these accounts and request their removal within XXXX  days per USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Failure to Remove/Correct Disputed Account Despite FTC Case and Active CFPB Complaint FCRA Violations Complaint Summary : I am filing a complaint against [ Experian / TransUnion XXXX Equifax ] for failing to properly investigate, update, or remove inaccurate information related to a disputed account reported by XXXX XXXX XXXX Account # XXXX and XXXX ). 

I currently have completed complaint filed with the Consumer Financial Protection Bureau and an active FTC Case regarding XXXX  unlawful and misleading reporting practices. Despite this, the credit bureaus continue to report the account as a charge-off with missed payments, even though the account is formally and legally in dispute due to XXXX breach of contract, misrepresentation, and failure to honor agreed-upon terms. 

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus must : Accurately report a consumers information ( 1681e ( b ) ) Mark an account as in dispute when the consumer has formally disputed it ( 1681s-2 ( a ) ( 3 ) ) Promptly investigate disputes and correct or delete inaccurate information ( 1681i ) None of these obligations have been met.

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