vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 00:00:00
Product: Mortgage — FHA 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: PA

Complaint narrative:
Ive applied for a modification twice and both times I was denied. I offered to comply with a partial reinstatement and place the remainder on the back end. A three month trial payment with it becoming binding after making the three months payment on time. They denied me saying that I tried to " discharge my mortgage ''. I requested that they show this in writing and they never have I had phone conversation with them saying that they will never give me a modification. But they wilnot put any of this on paper they use terms like your issues are unresolved or inconsistent information. They have not provided me with a direct written direct reason for denial. They have not ever asked me to produce or provide any documents to show that I can afford the modification. They just denied me using those terms. I have filed appeals stating that I can an I am willing to comply with all the terms of a modification. And they still denied me it appears they are trying to either discriminate or steal my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: GA

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Dear Sir/Madam, I am a consumer working to fix my credit, and I am disputing the following accounts. Please investigate the following items based on the information provided : Charged Off XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries XXXX  XXXX  Date : XX/XX/XXXX Late Payments XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have a balance due for my XXXX beauty card, because of my paid schedule and having to fix an emergency with my vehicle I had to prioritize fixing my transportation so i can continue getting to work. 

I have received at least XXXX calls a day from at least XXXX different numbers. ( XXXX ) XXXX XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX and then XXXX that is marked " unknown ''. I have answered at least once for all XXXX callers and they are all from XXXX XXXX 

Noticing this pattern I have asked for them to stop calling because I will not be able to make a payment until the next pay day. The woman I spoke with, on XX/XX/XXXX, said she would but a note to stop calling, which I do not believe she did because I have not stop receiving calls. In the last 11 days, the start of this harassment being XX/XX/XXXX, i have received XXXX calls. this is WELL beyond the XXXX calls in XXXX days .. i assume they are using multiple numbers to " avoid '' this being a legal issue, but from the unknown number alone I have XXXX missed calls since Friday XX/XX/XXXX. 

this is harassment and violates the debt collector rule tremendously .. no one needs to be contacted this many times in a day by anyone especially when I have told them that I will pay the account balance ( which is not maxed or overdrawn, simply late by a single pay period ) when i get my next paycheck.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: KY

Complaint narrative:
NATIONAL CREDIT XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT XXXX  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 2025-12-09 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: TX

Complaint narrative:
SUBJECT : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to BLOCK and DELETE all fraudulent information immediately and to remove ALL inaccurate personal information. 
To Whom It May Concern, I am formally disputing multiple inaccurate items appearing under my Equifax consumer credit report and demand immediate blocking and deletion pursuant to FCRA 605B. 
The following fraudulent accounts must be blocked immediately : 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 XXXXultiple variations reported These accounts were not opened by me, authorized by me, or initiated by me. They contain inaccurate reporting and cause harm to my credit. 
Further, Equifax is reporting inaccurate personal information including names, addresses and identifying details which DO NOT belong to me. Under 1681a ( 4 ) and 605B, ALL inaccurate personal information must be deleted immediately.

Additionally, no permissible purpose exists under 15 U.S.C. 1681b for Equifax to maintain or report this fraudulent information. 
I demand immediate blocking and deletion of all fraudulent information and all inaccurate personal details associated with my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: NY

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 explanation
Consumer complaint received 2025-12-09 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: PA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : 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 Inquiries : No inquiries listed for Experian. Late Payment 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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing a formal dispute to remove the " Past Due '' status and " Late Payment '' history reported for XXXX Account ending in XXXX. The reported delinquency is legally invalid because the underlying debt consists of fees charged in violation of federal law. 

Specific Details : Violation of Federal Law : The creditor ( XXXX ) imposed " Paper Statement Fees '' ( $ XXXX ) without my affirmative consent, violating the E-SIGN Act ( 15 U.S.C. 7001 ( c ) ). 

Invalid Late Fee : On XX/XX/year>, XXXX charged a {$41.00} Late Fee based on a balance composed of these illegal paper fees. My statement confirms a payment of {$87.00} was made on XX/XX/year>, which would have satisfied any legitimate balance if not for the illegal fees. 

Inaccurate Reporting : The " Year-to-Date '' totals on my statement show {$140.00} in Fees and {$36.00} in Interest. Since these charges stem from the initial E-SIGN violation, they are legally void. Reporting this invalid debt as a " delinquency '' violates the Fair Credit Reporting Act ( FCRA ), which requires maximum possible accuracy. 

Requested Action : I have provided evidence that the debt structure violates the E-SIGN Act. Please delete this tradeline or update the account to " Paid/Current '' with a XXXX past-due balance and remove the late payment history associated with XX/XX/year>.

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 2025-12-09 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: DE

Complaint narrative:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

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 2025-12-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One Auto Finance is reporting a repossession and a charge-off simultaneously and continuing to furnish a deficiency balance of {$9600.00} without providing any proof that this number represents actual calculated deficiency after sale of collateral. I never received an accounting of the auction proceeds applied to the loan, or documentation showing how the remaining balance was determined. They are required to provide deficiency calculation and documentation under FCRA 1681s-2 ( a ) and FDCPA 1692g ( b ), and have continued updating derogatory reporting through XXXX  without supporting evidence.

Because no calculation ledger, sale documentation, or contractual interest basis has been provided, this deficiency balance is unverifiable and inaccurate. The only fair resolution is immediate deletion of this account and cessation of all reporting and collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-12-09 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 2025-12-09 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: EQUIFAX, INC.
State: NM

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: MA

Complaint narrative:
o Whom It May Concern, I am filing a complaint against Discover Financial Services regarding an unexplained and harmful credit limit reduction on my Discover credit card account. Discover lowered my credit limit without any notice, justification, or explanation, which caused a direct drop in my credit scores and increased my revolving utilization. This action appears to conflict with federal requirements under the Equal Credit Opportunity Act ( ECOA ), Regulation B, and the Fair Credit Reporting Act ( FCRA ).

I request that the CFPB investigate the following concerns.

No adverse action notice provided A credit limit reduction is an adverse action when it is based on credit information or any negative assessment of the consumer. Under ECOA and Regulation B, Discover must provide a written adverse action notice listing : The specific reasons for the action The credit bureau used, if applicable A summary of consumer rights I did not receive any notice by mail, email, or secure message. This failure prevents me from understanding or addressing the reasons behind the action. 

Harmful impact on my credit profile Discovers reduction caused : Increased credit utilization A drop in my credit scores Reduced available credit during a period of stable account performance Potential difficulty obtaining future credit I have maintained the account responsibly, paid on time, and demonstrated strong usage history. There was no behavioral or risk-based reason for Discover to take this action. 

Possible automated or arbitrary decision Industry reports show that Discover has engaged in automated limit adjustments. If my account was swept into an automated reduction without individual review, then the action lacks a legally sufficient decision-making process and does not align with the intent of the ECOA.

Possible violation of FCRA If Discover based their decision on information obtained from a credit report, FCRA requires them to issue an adverse action notice identifying the credit bureau and outlining my rights. None was provided.

Lack of transparency and unfair practice Discovers conduct meets the criteria for an unfair act because : I suffered financial and credit harm I could not reasonably avoid the harm Discover did not provide any meaningful justification

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX 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 ( XXXX ) 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 non-monetary relief
Consumer complaint received 2025-12-09 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX 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 ( XXXX ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief