vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
I am a XXXX XXXX recently impacted by the government shutdown. During the shutdown, XXXX XXXX XXXX XXXX XXXX XXXX meaning that I was required to work, but received no pay. I am a XXXXXXXX XXXX member serving on XXXX XXXX and have a VA loan product for my mortgage. During the shutdown, I made arrangements for a forbearance between XX/XX/2025 ( due date for my mortgage payment ), and XX/XX/XXXX. While the Federal government resumed normal fiscal operations/status on or about XX/XX/XXXX, I did not receive my paycheck until XX/XX/XXXX. On XX/XX/XXXX, I promptly paid our mortgage payment of {$2700.00}. It is noted that throughout the forbearance period, I was in constant communication with my mortgage lender to demonstrate good faith. On XX/XX/XXXX, I made another payment of {$2700.00} for our normally scheduled mortgage payment due date of the same date. However, despite keeping my account and payments current, my account is still shown as delinquent on the mortgage lender website. I hold a XXXX XXXX XXXX, and any negative report made to the credit bureaus concerning a delinquent account ( factual or not ) puts my XXXX in jeopardy. I am requesting redress from the mortgage lender by immediately removing the delinquent status on my account. I have attempted to reach the company to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-02 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
After reviewing my EWS or XXXX  account. I noticed accounts that were not familiar to me. I sent a validation letter to EWS, requesting the listed accounts and have yet to receive any information that justifies the reporting of the accounts on my EWS report. Please find a list of accounts below and the validation letter sent attached. 
BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: SC

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 explanation
Consumer complaint received 2025-12-02 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: AR

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 2025-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Santander Consumer USA repossessed my vehicle on XX/XX/2025. On XX/XX/2025 they mailed me a " notice of intent to sell ''. The notice did NOT include the dollar amount that I must pay to regain my vehicle. The letter did include a number to call and address to write to in order to request a written explanation. The letter specifically states " if you want us to explain to you in writing how we have figured the amount that you owe us, you may call us at ( XXXX ) XXXX or write us at Santander Consumer USA XXXX XXXX XXXXXXXX, XXXX XXXX TX XXXX and request a written explanation. '' I have attached the letter that was emailed to me on XX/XX/XXXX and XXXX after I requested a written explanation. They emailed me the same letter that they mailed, all of which DO NOT INCLUDE an explanation of amount owed. 

I have emailed twice, sent a secure message within my online account portal, and called MULTIPLE times requesting this written explanation and had not received anything before today, XX/XX/2025 at XXXXXXXX XXXX Santander refuses to extended my payment deadline by 11 days ( the number of days I've been waiting for an explanation of the figure required ). My current deadline to pay is XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
I hope this message finds you well. I am writing in response to your recent communication regarding the debt you claim I owe, referenced under account number XXXX. To ensure that I am addressing this matter accurately, I kindly request that you provide me with the necessary documentation to validate this debt. In accordance with the Fair Debt Collection Practices Act, I have the right to request verification of the debt. Specifically, I would appreciate the following information : The amount of the debt and a breakdown of any fees or interest. The name of the original creditor and details of the account. Documentation that proves I am responsible for this debt. Evidence of the securitization of the debt, including any assignment of the debt and the chain of ownership. Furthermore, I would like to formally request the cancellation of this debt if the requested validation can not be provided. Please send this information to my address or email. I look forward to your prompt response so we can resolve this matter. Thank you for your attention to this request. Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I am disputing an alleged debt and the collector has not provided the required validation under 15 U.S.C. 1692g of the FDCPA. I requested full validation, including the original contract, itemized accounting, and proof of assignment. I also requested documentation showing the collectors right to collect under UCC Article 9 if they claim assignment or ownership of the debt. The collector has either failed to respond, provided incomplete documentation, or continued collection activity without validation. I am requesting that the CFPB intervene and require the collector to provide full validation or cease all collection activity and update any credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Synovus Bank
State: CA

Complaint narrative:
case # XXXX that was closed for not enough evidence and will reopen the case. Never received the response from any place i just called to find out this is what i saw..... 
I XXXX XXXX owner of XXXX XXXX XXXX had issue with Priority Payment Systems.... 
As much as you can say that i had contract with XXXX XXXX XXXX that DOSNT give them authorization to charge my account random fees after the account was closed. 
I NEED proof of service how much money was deposited to my bank from XXXX to XX/XX/year> and what % were they charging for there service... 

XXXX : you will find the fraud on this account that there was NO transaction were made and no deposit went to my account BUT they were charging random amounts from my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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 was reviewing my credit file and noticed fraudulent accounts on my credit file, 1. XXXX XXXX FOR {$830.00} AND {$850.00} 2.XXXX XXXX FOR {$110.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: GA

Complaint narrative:
I was reviewing my credit file and noticed fraudulent accounts on my credit file, 1. XXXX XXXX FOR {$830.00} AND {$850.00} 2.XXXX XXXX FOR {$110.00}

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect 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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: TX

Complaint narrative:
I have sent letter from court as well as the proper code to have bankruptcy removed also I spoke with an agent with all 3 credit bureau still no action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: WI

Complaint narrative:
Recently, I investigated my credit report and found several items to be inaccurate under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report immediately : Experian : 1. XXXX XXXX, Acct # XXXX Reported as Charged Off, {$8800.00} balance. Date Opened- XX/XX/XXXX 2. XXXX  XXXX XXXX, Acct # XXXX Reported as Charged Off, {$3900.00} balance. Date Opened- XX/XX/XXXX Equifax : 1. XXXX XXXX XXXX XXXX Credit Card, Acct # XXXX XXXXXXXX Reported as Charged Off, {$17000.00} balance. Date Opened- XX/XX/XXXX 2. XXXX XXXX Services ( XXXX ), Acct # XXXX  XXXX Reported as Charged Off, {$8800.00} balance. Date Opened- XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX, Acct # XXXX XXXXXXXX Reported as Charged Off, {$4300.00} balance. Date Opened- XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Issue : Improper account closure, lack of notice, and negative credit reporting resulting from Synchronys failure to notify me.

I opened my Synchrony CareCredit account in XX/XX/XXXX. The account was closed by Synchrony after only fouXXXX months, around XX/XX/XXXX, without any notice to me. Because the account was closed unexpectedly, I lost access to the CareCredit app and did not receive any mailed or emailed notifications about payments being due. 

I had automatic payments set up. When Synchrony closed the account, my autopay stopped working. Since I could no longer access the app and did not receive any notification of the closure, I was unaware that payments were no longer being processed. 

As a result, I unknowingly missed payments between XX/XX/XXXX and XX/XX/XXXX. Once Synchrony began calling me, I immediately resumed payments and made consistent payments from XX/XX/XXXX through XX/XX/XXXX. 

I believed I had fully paid off the account at the end of XXXX, but small remaining balances were still being reported. Because I thought the account was paid, I unintentionally missed payments again in XX/XX/XXXX and XX/XX/XXXX. As soon as I realized there was still a remaining balance, I paid the account off fully from XX/XX/XXXX to XX/XX/XXXX, at which point the account was fully paid and closed with a {$0.00} balance. 

The late payments being reported are the direct result of Synchrony : Closing my account without notifying me Removing my access to the app Stopping my autopay without any warning Failing to notify me of due dates or missed payments in a timely manner I acted in good faith and paid the account in full as soon as I was informed. Because these late payments were caused by Synchronys lack of notice and improper account servicing, I am requesting that the late payments be removed as a goodwill correction and as part of resolving this servicing issue. 

I am requesting an investigation and correction of the negative marks on my credit 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 2025-12-02 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-12-01 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: FL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-12-02 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: WV

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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