vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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: NE

Complaint narrative:
I XX/XX/XXXX I called pennymac asking if there was any loan modifications they could offer me during a difficult time. We had been dealing with several natural disasters in my area and they stated they could help. We were doing repairs ourselves because the last time we did a home insurance claim on our old home, they canceled us. By doing the repairs ourselves the the amount kept adding up and we needed help with our mortgage payments. I was told that they had a program for me and they could offer me a 3 month forbearance and payments would be deferred for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They stated that these payments would move to the END of my 30 year mortgage. In the recorded I asked for from the mortgage company its proved I asked multiple times if I had to pay this money back by XX/XX/XXXX when the forbearance was over. They stated multiple times that NO I did not have to pay this minth back but that I would have 30 years and 3 months for my mortgage payments now. When pennymac read my rights, disclaimers and details of the program, I was asked if I agree to the terms. At this time I said yes if I do not have to pay back this amount until the end of my mortgage term. During these 3 months of forbearance is was an extremely difficult time financially even without having to pay the mortgage so when I talked to pennymac in XX/XX/XXXX after getting a notice of possible foreclosure, they reassured me that the letter was sent by the VA and we were protect so not to worry. Come the end of XX/XX/XXXX, I call and find out I owed ALL 3 months of the forbearance in XX/XX/XXXX! Coming up with almost $ XXXX in a week put me into a sheer panic mode! I had used even penny I had to findmish the repairs on the house and pay down other debts to help while I wasn't having to pay the mortgage. I had to sell things close to my heart, work extra hours away from my kids, pay several late payment fees to the mortgage company, stop paying other bills, which meant my credit score went down by almost XXXX points! And my husband 's went down over XXXX. We are now in a terrible situation and cant get any loans due to our credit scores. I made a payment on XX/XX/XXXX of {$410.00} to help me get a start on the $ XXXX I owed and that payment put as suspence and never put towards my past payments due. I even called and asked and they said they couldn't do that for me. This whole situation was not what I agreed to and for that I meed help getting justice for the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: TX

Complaint narrative:
This letter is a formal dispute regarding a hard inquiry that appears on my credit report without my authorization. I am not aware of having applied for any credit accounts, services, or loans that would justify such a request for my credit 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 2025-06-26 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: PA

Complaint narrative:
XXXX XXXX is reporting a charged-off credit card account on all three of my credit reports ( TransUnion, Experian, and Equifax ) with a balance of {$570.00}. I have made multiple attempts to dispute this account and request verification of the debt, including sending a formal dispute letter on XX/XX/year>, under FCRA 609. 

To this day, XXXX XXXX has not provided any original signed agreement, breakdown of charges, or evidence to support the balance or status of the account. Whats worse is that my credit reports now show the remark " dispute resolved, '' even though nothing was ever resolved and no proof was ever sent to me. 

This is more than frustrating its a violation of my consumer rights. 

I also have an extended fraud alert on file, which legally requires XXXX  XXXX ( and the credit bureaus ) to verify my identity before continuing to report or update any derogatory account, as outlined under FCRA 605A. That didnt happen. 
Consequences Ive Experienced : I was denied a credit card and a rental application as a result of this charged-off account My credit score has dropped, and Ive had trouble getting approved for basic financing Ive spent valuable time and energy trying to fix something that shouldnt be there in the first place What Im Requesting : I am asking that this XXXX  XXXX credit card account be deleted immediately from TransUnion, Experian, and Equifax because : It has not been verified as required by FCRA 609 It continues to report inaccurately despite unresolved dispute status XXXX  XXXX failed to comply with fraud alert procedures under FCRA 605A Im attaching my dispute letter dated XX/XX/year>, along with supporting documents to show I acted in good faith and was ignored.

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 2025-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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:
b'In XXXX XXXX, I discovered multiple accounts and inquiries on my credit report that I did not authorize, do not recognize, and have absolutely no connection to None of these belong to me, and this fraudulent activity is causing me serious XXXX and XXXX. This clearly indicates that I have been a victim of identity theft. I urgently request immediate action to address this situation. The fraudulent accounts currently appearing on my report are as follows: XXXX XXXX XXXX-Credit Card-Opened in XXXX XXXX; XXXX XXXXXXXX-Opened in XXXX XXXX; XXXX XXXX-Credit Card-Opened in XXXX XXXX; XXXX XXXX XXXX-Auto Loan-Opened in XXXX XXXX. Furthermore, my credit report shows hard inquiries that I never authorized or consented to, further demonstrating that I am a victim of identity theft. The unauthorized inquiries are as follows: TransUnion XXXX XXXX XXXX-inquired on XXXX XXXX  Equifax XXXX-inquired on XXXX XXXX XXXX XXXX-inquired on XXXX XXXX XXXX XXXX-inquired on XXXX XXXX XXXX XXXX-inquired on XXXX XXXX XXXX XXXX-inquired on XXXX XXXX XXXX  XXXX-inquired on XXXX XXXX XXXX XXXX-inquired on XXXX XXXX XXXX Experian XXXX XXXX XXXXinquired on XXXX XXXX XXXX XXXX XXXX-inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX-inquired on XXXX XXXX XXXX XXXX XXXX XXXX-inquired on XXXX XXXX XXXX XXXX- inquired on XXXX XXXX XXXX XXXXinquired on XXXX XXXX XXXX XXXX XXXX-inquired on XXXX XXXX XXXX XXXX XXXX XXXX - inquired on XXXX XXXX XXXX XXXX XXXX XXXX-inquired on XXXX XXXX XXXX XXXX XXXX XXXX-inquired on XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: BSI Financial Holdings, Inc.
State: IL

Complaint narrative:
I have been reaching out again BSI FINANCIAL SERVICES to the following accounts below for several times and talked to them about the issues with my account as reported by the BSI FINANCIAL SERVICES. They have advised me that they will remove ALL the late payments and will correct the credit report accordingly and accurately, however, as I reviewed my recent report the account still reporting inaccurately. I am not sure how the BSI FINANCIAL SERVICES came up with this remark. They have failed to reinvestigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have also attached in this complaint the response from the company to remove the late payments. I still also see these unauthorized inquiries reflected in my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: OK

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
I am writing to formally dispute a collection account being reported on my credit file by Spring Oaks Capital LLC. The account in question is inaccurate, fraudulent. I never consented to or authorized any such debt, and I have no knowledge of the account they are attempting to collect.

Please consider this letter as a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). I request that this account be immediately investigated and removed from my credit report. Since this account is being reported without my knowledge or consent, it may also be considered an act of identity theft or misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: FL

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 non-monetary relief
Consumer complaint received 2025-06-26 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:
XXXX XXXX is reporting a charged-off credit card account on all three of my credit reports ( TransUnion, Experian, and Equifax ) with a balance of {$570.00}. I have made multiple attempts to dispute this account and request verification of the debt, including sending a formal dispute letter on XX/XX/year>, under FCRA 609. 

To this day, XXXX XXXX has not provided any original signed agreement, breakdown of charges, or evidence to support the balance or status of the account. Whats worse is that my credit reports now show the remark " dispute resolved, '' even though nothing was ever resolved and no proof was ever sent to me. 

This is more than frustrating its a violation of my consumer rights. 

I also have an extended fraud alert on file, which legally requires XXXX  XXXX ( and the credit bureaus ) to verify my identity before continuing to report or update any derogatory account, as outlined under FCRA 605A. That didnt happen. 
Consequences Ive Experienced : I was denied a credit card and a rental application as a result of this charged-off account My credit score has dropped, and Ive had trouble getting approved for basic financing Ive spent valuable time and energy trying to fix something that shouldnt be there in the first place What Im Requesting : I am asking that this XXXX  XXXX credit card account be deleted immediately from TransUnion, Experian, and Equifax because : It has not been verified as required by FCRA 609 It continues to report inaccurately despite unresolved dispute status XXXX  XXXX failed to comply with fraud alert procedures under FCRA 605A Im attaching my dispute letter dated XX/XX/year>, along with supporting documents to show I acted in good faith and was ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: GA

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 non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to submit a further complaint regarding Barclays Bank , following Complaint ID XXXX, which I filed on XX/XX/year>. 

I recently received a response from XXXX at Barclays stating that the investigation may take up to two billing cycles, not exceeding 90 days. However, I was previously told by Barclays that the investigation would take 710 business days. It has now been a month, and I find it unreasonable that verifying proof of a deposited convenience check should take so long. 

Additionally, I contacted Barclays in XXXX regarding a convenience check I had never received or deposited. At that time, a Barclays representative informed me that the check was fraudulent and that the bank would notify XXXX  of the incident. Since then, I have not received any meaningful updates or resolution. 

I am not satisfied with how Barclays has handled this issue. It appears the bank is not acting in the best interest of consumers, nor is it demonstrating a commitment to resolving legitimate concerns in a timely manner.

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 2025-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX ( NO MIDDLE NAME, JUST AN INITIAL ) D.O.B. XX/XX/year>. CONSUMER HAS NOTIFIED ALL BUREAUS IN WRITING THAT CONSUMER IS A VICTIM OF XXXX XXXX SENT BUREAUS UPDATED IDENTIFICATION AND SSN AND BUREAUS EXPERIAN, XXXX, AND XXXX XXXX REFUSE TO REMOVE FRAUDULENT NAMES SUCH AS " XXXX XXXX, FRAUDULENT ADDRESSES XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX. THE ONLY ADDRESS THAT IS TO BE REFLECTING ON CONSUMER REPORT IS XXXX XXXX XXXX XXXXXXXX, FL XXXX. PLEASE REMOVE ALL FRAUDULENT NAMES AND ADDRESSES OFF OF THE CONSUMER 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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I'm reaching out to formally dispute the listing of one or more incorrect addresses currently appearing on my credit report. These addresses are inaccurate, and I have never lived at, been associated with, or authorized use of those locations in any capacity.

Let me be completely straightforward I take the accuracy of my credit report and the protection of my personal information very seriously. The presence of these incorrect addresses is not only misleading, but it also raises serious concerns for me regarding potential identity confusion, file mixing, or worse possible identity theft. I am not going to let inaccurate personal data float around unchecked on a document as sensitive as my credit report.

These addresses are not connected to me, have no relevance to any account I've opened or maintained, and they should never have been associated with my file in the first place. Including false or outdated personal information can lead to misreporting, unnecessary flags, and wrongful credit decisions that I refuse to tolerate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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 accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 to be removed/updated. 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. 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!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
I havea XXXX year history of student loan repayment specifically for my XXXX XXXX student loans consistingof XXXX loans for which I have made XXXX monthlypayment since the year XXXX. I have this situation whereby despite making monthly payments to XXXX ( my student loan servicer ) there are XXXX instances whereby my monthlypayments are missing from XXXX report updates and subsequently also missing from XXXX  account updates. 
First, payment made for XX/XX/XXXX ( yes, last year XXXX, XXXX ). XXXX of my XXXX loans correctlyreflected this payment status on my XXXX  account and XXXX  payment counts but the third loan out of the XXXX does not reflect a payment status on either platform although the same XXXX payment was distributed among the consolidated XXXX loans. I have inquired and tried to resolve this with XXXX  and XXXX for the past XXXX  months to no avail. I am repeatedly informed by both agency representatives that I have to wait untilthe the XXXX system updates the missing count. I am very very concerned. 

In my XX/XX/XXXX XXXX report, the missing update reflects a qualifying payment count for XXXX at XXXX instead of the correct XXXX count reflected on the other XXXX loans labelled. 
Second, my XXXX  reports updated on XX/XX/XXXX and XX/XX/XXXX. However, the conundrum is that the counts remained the same on both reports despite the fact that I had made a qualifyingfull student loan payment to XXXX on XX/XX/XXXX ( XX/XX/XXXX payment ). I am very concerned this additional payment count is missing and as such also not reflected on my XXXX  account payment status for XX/XX/XXXX. 

I also completed my XX/XX/XXXX payment due with full payment made on XX/XX/XXXX and I hope this will be reflected in my next XXXX updated report. 

Any assistance to upgrade my XXXX report as soon as possible will be greatlyappreciated and hopefully, all these missing paymentreports will be captured.

Company response to consumer: Untimely response