vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 00:00:00
Product: Mortgage — Conventional home 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Consumer Financial Protection Subject : Complaint Regarding Unfair Foreclosure Practices by PennyMac Loan Services LLC - Account Number : XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against PennyMac Loan Services, regarding their unfair and potentially illegal foreclosure practices on my mortgage loan, account number XXXX. 

Until just last month, I was enrolled in a forbearance plan that was designed to protect me from foreclosure. The terms of this plan required me to check in with the bank monthly and make a payment, both of which I consistently did. My check-in was allowed at any time during the month. 

On the XXXX day of the month, I received a letter stating that I had defaulted on the forbearance plan due to non-payment. This was inaccurate, as I had made the required payment. When I contacted PennyMac today ( Mon XXXX XXXX ), I was informed that the actual reason for the default was due to alleged audio issues during my check-in call. The operator claimed they were unable to verify my employment status, even though we discussed my recent job interview. This explanation is illogical and inconsistent with the previous communication. 

As a result of this alleged default, PennyMac ] is refusing to accept any partial payments and will not provide me with the total amount required to reinstate my loan. They have stated that my only option is to pay the entire outstanding balance, which I am currently unable to do. 

Furthermore, I was informed that I do not qualify for any other loss mitigation programs due to a previous " default '' on a program that I actually completed early by bringing my loan current. I was no longer in need of the program at that time. It appears I am now being penalized for successfully resolving a previous financial hardship. 
PennyMac has provided no helpful solutions and has stated that I must wait for their lawyers to calculate the total costs to reinstate my loan. This lack of transparency and refusal to work with me is causing immense distress and threatens my ability to keep my home. 

I believe PennyMac 's actions violate the spirit, if not the letter, of fair lending practices and loss mitigation requirements. Their inconsistent explanations, refusal to accept payments, and lack of transparency are unacceptable. 

I request that the CFPB investigate this matter immediately and take appropriate action to ensure that PennyMac complies with all applicable regulations. I am seeking assistance in obtaining a fair and reasonable resolution to prevent foreclosure. 
Thank you for your time and attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: TX

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: IL

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
My mortgage was recently transferred to Mr. Cooper. I attempted to make an online account on XX/XX/XXXX. The website said it was unable to locate my loan and gave me a phone number to call. The automated system at that number said I needed to call a different number. The automated system at the XXXX  number flat out refused to forward me to a representative. I have since repeatedly attempted to create an online account or contact a representative and have gotten nowhere. The company attempted to call my husband while he was at work today, on XX/XX/XXXX, but left no return number on his voicemail and has not called my phone number, which they do have.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2025-02-25 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: CA

Complaint narrative:
I submitted a dispute to TransUnion regarding inaccurate information on my credit report. The disputed account ( s ) contain errors of charge-offs, late payments, which I believe to be incorrect. I requested that TransUnion provide verification of the reported information, including documentation from the original creditor to validate its accuracy. 

I am filing this complaint against TransUnion for failure to accurately report and properly verify disputed information on my credit file. I disputed multiple inaccuracies, including charge-offs and late payments, specifically related to XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX 
XXXX. XXXXXXXX XXXX ( Secured Credit Card ) The account is marked as Paid in Full was a Charge-Off despite having been resolved and paid on XX/XX/XXXX. 

This account should be updated to reflect a paid status without a charge-off notation since it is misleading and damaging to my credit profile. 
The removal date is listed as XX/XX/XXXX, but considering the account is settled, I request an earlier removal or full deletion. 

XXXX. XXXX XXXX XXXX ( Auto Loan ) The account status reflects Paid, Closed ; was 60 days past due, which negatively impacts my credit profile. 

Given that the balance is {$0.00}, and the loan is fully paid off, I request this late payment be removed as a goodwill adjustment or verified with supporting documentation. 

The removal date is listed as XX/XX/XXXX, which is excessive for a settled account. 

TransUnion has failed to properly verify these disputes and continues to report inaccurate and damaging information. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, TransUnion is required to investigate and correct errors within 30 days, yet these inaccuracies remain.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted my address to be corrected ; the credit company won't change it.

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 2025-02-25 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: MO

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: MO

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2025-02-25 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: IL

Complaint narrative:
Kindly remove and block the unauthorized accounts from my credit report as soon as possible. I did not initiate these accounts and have no information regarding their origins. Per USC 1681g, I am formally requesting their removal within 15 days. Enclosed are supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: NC

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: TX

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-02-25 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: TX

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX ( Auto Loan ), opened on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX XXXX XXXX XXXX ( Auto Loan ), opened on XX/XX/XXXX ; and unauthorized hard inquiries from Tower Loan on XX/XX/XXXX ; World Acceptance-Greenville on XX/XX/XXXX ; and XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts, collections, or hard inquiries as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.SXXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and inquiries are the result of identity theft and fraud. I request that Equifax block these fraudulent items immediately, as required under the FCRA, and confirm their removal from my consumer credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
iv been the victim of identity theft, 2 data breaches my information was compromised

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inaccurate and fraudulent reporting of the attached-referenced account, which has been incorrectly placed on my TransUnion credit report by XXXX XXXX XXXX XXXX XXXX The original account with XXXX XXXX XXXX was already successfully disputed and removed from my credit profile due to fraud and identity theft. However, TransUnion is now reporting this account under XXXX XXXX XXXX XXXX, which is still linked to the fraudulent XXXXXXXX XXXX account. 

This account does not belong to me, and I have previously sent multiple police reports, FTC identity theft affidavits, and CFPB complaints proving that I was a victim of identity theft and that my personal information was compromised in multiple data breaches from XXXX to XXXX. 

Under FCRA 605B, I have the right to request an immediate block of fraudulent information from my credit file. Since I have provided police reports and FTC identity theft documentation, TransUnion must remove this account without requiring further verification from XXXX XXXX XXXX XXXX. 
The continued reporting of this account violates my rights under federal law. 
Failure to Conduct a Reasonable Investigation ( FCRA 611 & FTC Guidelines ) I have previously disputed this fraudulent debt and provided substantial proof of identity theft, yet TransUnion has failed to properly investigate and has instead reinserted this account under a different name ( XXXX XXXX XXXX XXXX ). 
The CFPB has filed lawsuits against major credit bureaus for failing to properly investigate disputes and wrongfully marking valid disputes as frivolousthis is a clear violation of FCRA 611. 

As a third-party debt buyer, XXXX XXXX XXXX XXXX XXXX XXXX verifiable proof that this debt is valid and that I am legally responsible for it. 
Under FCRA 609, I have the right to request the original signed contract proving I agreed to this debt. 
Under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX must cease all collection activities until they provide sufficient validationfailure to do so constitutes an FDCPA violation.

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 2025-02-25 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: LA

Complaint narrative:
XX/XX/year> XXXX I received a notification on my XXXX XXXX account that XXXX XXXX is reporting on my credit the account as a repossession when they do not have possession of the vehicle, that is illegal to be reporting inaccurate information to the bureaus. In that matter I am not responsible for any debt for this company. I need them to show proof of my signatures stating that the vehicle has been repossessed. They are now committing identity fraud and violating my rights by knowingly furnishing information on my credit report that they weren't prvivied to. I do not owe XXXX XXXX anything. They have also put a block on my license which is also illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: LA

Complaint narrative:
XX/XX/year> XXXX I received a notification on my XXXX XXXX account that XXXX XXXX is reporting on my credit the account as a repossession when they do not have possession of the vehicle, that is illegal to be reporting inaccurate information to the bureaus. In that matter I am not responsible for any debt for this company. I need them to show proof of my signatures stating that the vehicle has been repossessed. They are now committing identity fraud and violating my rights by knowingly furnishing information on my credit report that they weren't prvivied to. I do not owe XXXX XXXX anything. They have also put a block on my license which is also illegal.

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 2025-02-25 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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