vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
PennyMac Loan Services LLC has hired and conspired with XXXX XXXX of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX. To pay off XXXX XXXX XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX XXXX XXXX. Both XXXX XXXX and XXXX XXXX XXXX XXXX are XXXX XXXX XXXXXXXX XXXX And XXXX XXXX used his XXXX XXXX XXXX fried to overturn a second dismissed motion for XXXX XXXX and avoid going to trial. This Granted motion for summary put a foreclosure date into effect. This motion was appealed and is now awaiting a new Court and proceedings. However PennyMac Loan Services LLC is using this method of paying Lawyers and Law firms to push paperwork through to avoid trial and have the fraudulent action they are conducting recorded in the courts and on the record for the public to see. They avoiding trial due to fraudulent actions and illegal contracts. No documents needed just look at previous documents filed under these XXXX numbers XXXX and XXXX XXXX courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: KY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-09 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: FL

Complaint narrative:
My account with XXXX XXXX XXXXXXXX, AND XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX, XXXX, AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2025-05-09 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: NE

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-09 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I have a XXXX branded Chase credit card. I was supposed to get XXXX XXXX points when I spent {$3000.00} in 3 months. I did that and they acknowledged that I earned the points. I'm also supposed to receive points for charges I make to the card. To date I have not received and of the points in my XXXX account. Starting on XX/XX/year> I have contacted Chase and XXXX on a regular basis. A few times each week. Chase says I got the points but XXXX says the card is not connected to my account. They owe me XXXX points. As far as I can tell nothing is being done by Chase to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-09 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: FL

Complaint narrative:
I've worked hard to build my credit so, tke this seriously. I found some big mistakes that are really hurting my score and these inaccuracies have been stressing me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. I need you to make sure all of my information is 100 % correct. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. I'm getting really upset and I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-05-09 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: NJ

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: FL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: GA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-09 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: PA

Complaint narrative:
I looked over my credit report and some accounts are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ). 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXXXXXX. 
Any person who fails to comply and fix this matter will be liable under 15 USC 1681n, which is civil liability for willful noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: NE

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I received a voicemail from LL Bean Citibank Mastercard on XX/XX/XXXX, saying I owed them a payment for charges on the card. I never received a card from them. In late XXXX of XXXX, I signed up for an LL Bean Mastercard at the store in XXXXXXXX XXXX in order to get a store discount. 

In early XXXX, on or close to XX/XX/XXXX, I paid off the charges using the online account for the in store purchase, but still did not receive a card. 

On XX/XX/XXXX, I called LL Bean Citibank Mastercard customer service to ask about a payment they referenced on the voicemail. They started reading off all of these daily charges over {$400.00} per day, to a total of roughly XXXX XXXXXXXX. I told them these were not my charges and it must be fraud. I was then transferred to the fraud department. The fraud department said these did look fraudulent, since they were significant, daily and not in a state I live, they were in XXXX. I was told they would investigate and to ignore any asks for payment. 

Since then, I have been bombarded with automatic voicemails asking for payment. Concerned, I called on the week of XX/XX/XXXX to ask them to stop and freeze everything until the investigation was complete. Then I was transferred to the fraud department, who confirmed they would send me an email regarding the case. They never did this. 

I received a recent bill in the mail as well, listing all the charges. On XX/XX/XXXX, I decided to file a police report, showing them the charges. The week of XX/XX/XXXX, I have now alerted all of the credit bureau 's since my credit score has now dropped significantly. Prior, I had XXXX XXXXXXXX 

I have now received a letter from LL Bean Citibank Mastercard saying they reviewed the charges and decided I should be responsible for payment. It is clearly fraud, and all of these charges are not from my state or any place I ever buy products from.

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 monetary relief
Consumer complaint received 2025-05-09 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: SC

Complaint narrative:
In XXXX of XXXX I disputed my XXXX mortgage company with experian because its not reporting correctly. The loan amount is not XXXX and its not XXXX days XXXX late. Experian did not do a thorough investigate because it would have been changed. I sent records and they still did not updated. I demand removal of late payments to be removed and loan total to be updated.

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 2025-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: American Credit Acceptance, LLC
State: NJ

Complaint narrative:
Bought a car from XXXX in XXXX, refinanced through them in XXXX. They have never paid off the loan to XXXX XXXX acceptance. XXXX XXXX lied to me. His father XXXX XXXX is not allowed to be doing business as a car dealer but yet he is back in business. They wrote a fraudulent check and showed it to me stating they paid off the loan. It was not real apparently. They are not paying off the loan and keep lying to me, leaving me with XXXX car loans now. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: AR

Complaint narrative:
All my students loans are paid in full and yet they have it open again, they dont have my information

Company response to consumer: Untimely response
Consumer complaint received 2025-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Selene Holdings LLC
State: IA

Complaint narrative:
I have made numerous attempts to obtain information on my house loan that has had over XXXX loan companies, nothing provided as of today XXXX the XXXX, XXXX. All of the preexisting companies have all had class actions in which I have never been informed or told about. Selene came from XXXX, XXXX XXXX XXXX, XXXX to XXXX, Homeward from XXXX, XXXX XXXX  from XXXX, XXXX XXXX, XXXX XXXX,,, XXXX XXXX, XXXX XXXX had my loan for XXXX months and inflated costs up over XXXX dollars, Selene is having my home pictured XXXX to times a month rised my payment from XXXX to XXXX XXXX in an active bankruptcy XXXX  XXXX and they did not get any premission and they even was awarded {$25.00}, XXXX on XX/XX/XXXX, form XXXX  XXXX and it does not show anywhere on my monthly statements and or where it was applied. 
Selene also sold to XXXX XXXX XXXX and I have never been notified. 
My monthly mortgage statements shows the same principal. interest, balance and the orginal outstanding from the loan. 

Some of my information on the past mortgages have same account number, have a inflated and unjustifiable fees. 

They are sending letters to my attorney for the bankkruptcy and saying my payments are not clearing and bank sent a letter thta it had cleared. 

Taxes were allowed to go to tax sale yet they were to have paid htem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: RI

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under 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 explanation
Consumer complaint received 2025-05-09 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: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief