vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 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: NY

Complaint narrative:
On XX/XX/XXXX I contacted XXXX and made an internal complaint regarding public service loan forgiveness program. All but three loans were updated as paid in full and discharge and XXXX loans are continuing to report as open, and those three loans are on my credit report under the old account number as told by XXXX of the XXXX representatives. On that day, I was told it would take 5 to 14 business days for the information to be updated and submitted to the credit bureaus and the case was escalated. The case number is XXXX and the review number is XXXX. I checked my credit report a month later and the information was not updated. Therefore, I called on XX/XX/XXXX and spoke to XXXX XXXX, who is a female and she advised me that she will input another expedited request and it should take only a day. If not, it will take another 5 to 14 business days for the information to be corrected and submitted to the credit bureau. She also advise. She will contact me directly to let me know the information was updated. I never received a call or a message from her. I checked my credit report again early XXXX the information was not corrected for the three loans that continue to show that theyre open when they were supposed to be discharged under the public service loan forgiveness program. I called on XX/XX/XXXX to advise the loans were still reporting as open and the representative advise me third-party credit apps will show incorrect information and to check XXXX XXXX XXXX  checked that website and confirmed with a company who ran my credit early XXXX that the three student loans in question still are showing open under the old account number, but they should be listed as paid in full and discharged under the student loan forgiveness program. All of my student loans were discharged under the student loan forgiveness program back in XX/XX/XXXX. All but three were updated on my credit report to show paid in full discharge and for some unknown reason XXXX loans are reporting under the old account number still showing that theyre open. This information needs to be updated by XXXX as soon as possible. It seems like whenever I call to let them know about the continuous and correct information, theyre either not taking my word for it or not making sure the correct information is submitted to the credit bureaus. One representative also told me that I would need to dispute the three XXXX accounts that are showing as open through the credit bureaus in order to correct the information but I should not have to go that route when they input the incorrect 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 2025-08-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Opportunity Financial, LLC
State: MS

Complaint narrative:
I asked for debt validation from the company. I have not gotten any clear communication and according to 15 usc1692 c ), a federal law prohibiting abusive, deceptive, and unfair debt collection practices by XXXX-party debt collectors and ensuring that debt collectors who follow the law are not at a competitive disadvantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX is being reported inaccurately on my credit report. Transunion has the date of last activity reported as XX/XX/XXXX, Equifax has the date of last activity listed as XX/XX/XXXX, and XXXX doesn't have a date listed at all. The highest balance is reported by Transunion as {$700.00}, Equifax is reporting {$1100.00} as the highest balance, and XXXX doesn't have a balance listed at all. Transunion reported the date opened as XX/XX/XXXX, Equifax reported the date opened as XX/XX/XXXX, and Experian didn't list a date opened at all. Transunion listed the date of last payment as XX/XX/XXXX, Equifax reported the date of last payment as XX/XX/XXXX, and Experian didn't report a date at all.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
To Your Company I am writing to formally dispute the accuracy and completeness of certain accounts appearing on my credit report, which you are reporting under my name. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am exercising my right to dispute information that is inaccurate, incomplete, or unverifiable. 
Specifically, the accounts in question contain materially inconsistent and inaccurate information regarding the " Date of Last Activity '' and/or other reporting fields when compared across the XXXX national consumer reporting agenciesExperian, Equifax, and TransUnion. These discrepancies indicate a failure to maintain maximum possible accuracy under FCRA 1681e ( b ), as well as a failure to conduct a reasonable reinvestigation under 1681i ( a ). 
The inconsistent reporting of the same account across multiple CRAs undermines the credibility and reliability of the data, and constitutes a violation of your statutory obligations. These inaccuracies are adversely affecting my creditworthiness and financial well-being. 
Additionally, it appears that your reinvestigation processes do not meet the " reasonable '' standard as required by federal law. The failure to rectify these discrepancies despite disputes constitutes willful or negligent noncompliance, actionable under FCRA 1681n and 1681o. 
Accordingly, I am demanding the immediate deletion of each disputed account due to your inability or unwillingness to ensure accurate, complete, and verifiable information. Please note that if these inaccuracies are not resolved within the legally mandated XXXX period, I reserve the right to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal remedies. 
DELETE : ( XXXX XXXX ) ( XXXX ) ( XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
To Your Company I am writing to formally dispute the accuracy and completeness of certain accounts appearing on my credit report, which you are reporting under my name. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am exercising my right to dispute information that is inaccurate, incomplete, or unverifiable. 
Specifically, the accounts in question contain materially inconsistent and inaccurate information regarding the " Date of Last Activity '' and/or other reporting fields when compared across the XXXX national consumer reporting agenciesExperian, Equifax, and TransUnion. These discrepancies indicate a failure to maintain maximum possible accuracy under FCRA 1681e ( b ), as well as a failure to conduct a reasonable reinvestigation under 1681i ( a ). 
The inconsistent reporting of the same account across multiple CRAs undermines the credibility and reliability of the data, and constitutes a violation of your statutory obligations. These inaccuracies are adversely affecting my creditworthiness and financial well-being. 
Additionally, it appears that your reinvestigation processes do not meet the " reasonable '' standard as required by federal law. The failure to rectify these discrepancies despite disputes constitutes willful or negligent noncompliance, actionable under FCRA 1681n and 1681o. 
Accordingly, I am demanding the immediate deletion of each disputed account due to your inability or unwillingness to ensure accurate, complete, and verifiable information. Please note that if these inaccuracies are not resolved within the legally mandated XXXX period, I reserve the right to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal remedies. 
DELETE : ( XXXX XXXX ) ( XXXX ) ( XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: CA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX I WAS A VICTIM OF IDENTITY THEFT AND THERE ARE XXXX FRAUDULENT ACCOUNTS AND FRAUDULENT INQUIRIES IN MY CREDIT REPORT WHICH DOES NOT BELONG TO ME AND MUST BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 
XXXX. XXXX XXXX XXXXXXXX OPENED XXXX, XXXX XXXX XXXX XXXX OPENED XXXX, XXXX. XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX OPENED XXXX. 
ALSO FOLLOWING FRAUDULENT INQUIRIES MUST BE REMOVED FROM MY CREDIT REPORT XXXX. XXXX XXXX, XXXX. XXXX XXXX XXXX. I AM THE ONLY PERSON WHO MADE THIS STATEMENT.

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 2025-08-22 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:
HELLO MY NAME IS XXXX XXXX I WAS A VICTIM OF IDENTITY THEFT AND THERE ARE XXXX FRAUDULENT ACCOUNTS AND FRAUDULENT INQUIRIES IN MY CREDIT REPORT WHICH DOES NOT BELONG TO ME AND MUST BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 
XXXX. XXXX XXXX XXXXXXXX OPENED XXXX, XXXX XXXX XXXX XXXX OPENED XXXX, XXXX. XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX OPENED XXXX. 
ALSO FOLLOWING FRAUDULENT INQUIRIES MUST BE REMOVED FROM MY CREDIT REPORT XXXX. XXXX XXXX, XXXX. XXXX XXXX XXXX. I AM THE ONLY PERSON WHO MADE THIS STATEMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Dear CFPB, I am submitting this complaint regarding an inaccurate charge-off account being reported by XXXX XXXX to Experian. The account ( partial number : [ XXXX ] ) shows a balance of {$3600.00} with a last payment date of XX/XX/year>. 

This reporting violates the Fair Credit Reporting Act : 15 USC 1681i ( a ) ( 5 ) ( A ) : Requires inaccurate, incomplete, or unverifiable information to be corrected or deleted. The account lacks full verification and proper documentation.

15 USC 1681e ( b ) : Requires credit bureaus to ensure maximum possible accuracy. Reporting this charge-off without proper validation is inaccurate and misleading. 

Additionally, I suffered a XXXX hardship, which should have been considered under CARES Act reporting protections. 

I request the CFPB to review this matter and require Experian and XXXX XXXX to either fully verify the accuracy of this account or delete it from my credit file. 

Thank you for your assistance

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Dear CFPB, I am submitting this complaint regarding an inaccurate charge-off account being reported by XXXX XXXX to Experian. The account ( partial number : [ XXXX ] ) shows a balance of {$3600.00} with a last payment date of XX/XX/year>. 

This reporting violates the Fair Credit Reporting Act : 15 USC 1681i ( a ) ( 5 ) ( A ) : Requires inaccurate, incomplete, or unverifiable information to be corrected or deleted. The account lacks full verification and proper documentation.

15 USC 1681e ( b ) : Requires credit bureaus to ensure maximum possible accuracy. Reporting this charge-off without proper validation is inaccurate and misleading. 

Additionally, I suffered a XXXX hardship, which should have been considered under CARES Act reporting protections. 

I request the CFPB to review this matter and require Experian and XXXX XXXX to either fully verify the accuracy of this account or delete it from my credit file. 

Thank you for your assistance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
Debt Validation Request XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XX/XX/2025 Subject : Request for Debt Validation under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally request verification of the following debts that have been reported on my credit file. This request is made pursuant to the Fair Credit Reporting Act ( FCRA ), which grants me the right to dispute inaccurate or unverifiable information on my credit report. 

Please investigate and provide documentation verifying the accuracy and legitimacy of the following accounts : XXXX Accounts : XXXX. LVNV Funding LLC - Original Creditor : XXXX XXXX - Account Number : XXXX - Balance : {$1300.00} XXXX. XXXX XXXX XXXX - Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX - Account Number : XXXX - Balance : {$1300.00} XXXX. XXXX XXXX XXXX- Original Creditor : XXXX  - Account Number : XXXX - Balance : {$3600.00} If these accounts can not be verified, I respectfully request that they be removed from my credit report immediately. Please provide your response and any supporting documentation within 30 days of receipt of this letter. 

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
To Your Company I am writing to formally dispute the accuracy and completeness of certain accounts appearing on my credit report, which you are reporting under my name. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am exercising my right to dispute information that is inaccurate, incomplete, or unverifiable. 
Specifically, the accounts in question contain materially inconsistent and inaccurate information regarding the " Date of Last Activity '' and/or other reporting fields when compared across the XXXX national consumer reporting agenciesExperian, Equifax, and TransUnion. These discrepancies indicate a failure to maintain maximum possible accuracy under FCRA 1681e ( b ), as well as a failure to conduct a reasonable reinvestigation under 1681i ( a ). 
The inconsistent reporting of the same account across multiple CRAs undermines the credibility and reliability of the data, and constitutes a violation of your statutory obligations. These inaccuracies are adversely affecting my creditworthiness and financial well-being. 
Additionally, it appears that your reinvestigation processes do not meet the " reasonable '' standard as required by federal law. The failure to rectify these discrepancies despite disputes constitutes willful or negligent noncompliance, actionable under FCRA 1681n and 1681o. 
Accordingly, I am demanding the immediate deletion of each disputed account due to your inability or unwillingness to ensure accurate, complete, and verifiable information. Please note that if these inaccuracies are not resolved within the legally mandated XXXX period, I reserve the right to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal remedies. 
DELETE : ( XXXX XXXX ) ( XXXX ) ( XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
In XXXX, I was granted a legal property tax deferral due to XXXX under XXXX  XXXX XXXX XXXX. Despite this, PennyMac began disbursing property taxes from my escrow in XXXX and XXXX, creating an artificial shortage. They falsely claimed I was delinquent, inflated my monthly mortgage payment, and used this error to force a loan modification that capitalized more than {$18000.00} in fabricated escrow charges. 

After escalating through the CFPB, PennyMac admitted to the error and issued a refund but later contradicted that position by re-offering the same invalid modification. Their communications are inconsistent, and their modification was quietly deleted from XXXX XXXX  system. Ive received multiple conflicting denial letters while still being pressured to sign and re-sign documents that dont reflect the true state of my account. 

As a XXXX borrower receiving XXXX, protected by a XXXX XXXX  XXXX protective order and approved for XXXX XXXX XXXX XXXX XXXX, I am legally entitled to hardship servicing protections that PennyMac continues to ignore. I am at risk of foreclosure due to these fabricated errors. My goal is to restore my account to its rightful state and prevent further harm. 
I have attached XXXX documents with proof, including signed mod agreements, contradictory denial letters, CFPB response history, escrow statements, and my legal tax deferral confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT, ON XX/XX/year> I SENT A NOTARIZED IDENTITY THEFT POLICE REPORT TO XXXX XXXX, EXPERIAN, AND TRANSUNION. I HAVE SENT FTC REPORTS THAT INCLUDED THE IDENTITY THEFT THAT HAPPENED TO ME WITH FULL DETAILS. I HAVE SENT A NOTARIZED CALIFORNIA DRIVER 'S LICENSE AND SOCIAL SECURITY CARD TO VERIFY MY IDENTITY. THEY ALSO HAVE NEVER UPDATED MY PERSONAL CURRENT INFORMATION LIKE I HAVE REQUESTED. IM ATTACHING A CURRENT NOTARIZED POLICE REPORT TO HAVE THE FOLLOWING ACCOUNTS BLOCKED AND DELETED FROM MY CREDIT REPORT ... AS THEY DO NOT PERTAIN TO ME.

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 2025-08-22 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: Paypal Holdings, Inc
State: MS

Complaint narrative:
Complaint Against : PayPal XXXX XXXX Play ( XXXX XXXX  purchase ) Issue : Unauthorized charge after cancellation of free trial / refusal to refund Details of the Complaint : On XX/XX/XXXX, I signed up for the XXXX apps 3-day free trial through XXXX XXXX  XXXX I canceled the trial before it converted to a paid subscription. Despite this, on XX/XX/XXXX, I was billed {$85.00} for a yearly subscription. 

The attached screenshots clearly show : Yearly, 3 days trial {$0.00} on XX/XX/XXXX ( confirmation of trial ). 

Yearly, 3 days trial {$85.00} on XX/XX/XXXX ( the improper charge ). 

My subscription marked as Canceled, yet the system still shows it running until XX/XX/XXXX. 


This proves that I properly canceled, but XXXX XXXX system incorrectly rolled me into a yearly plan anyway. 

I contacted XXXX XXXX, who refused to issue a refund. I then filed a claim with PayPal, the payment processor, but they also denied my dispute even after I submitted proof. I am now out {$85.00} for a service I canceled and do not use. 

This feels like fraudulent and deceptive billing practices. As a mother of three who recently lost her job, losing this money has been a serious financial hardship. 



Supporting Evidence : Screenshots attached showing the cancellation, trial, and charge.

Company response to consumer: Closed with monetary relief