vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report regarding an account that is both outdated and reported with an incorrect date. 

The item in question is a credit card account with Comenity Bank Meijer. The credit report shows this debt as originating in 2019 which is not accurate. This account is over 10 years old, and any delinquency associated with it should have been removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

According to the FCRA, negative credit information such as late payments, charge-offs, and collections may only be reported for up to 7 years from the date of first delinquency. This debt falls well outside that window, and it is both misleading and damaging for it to be shown as a more recent obligation.

I am requesting that this account be immediately removed from my credit report or corrected to reflect the accurate date of last activity. If the original creditor or debt collector can not validate the accuracy and recency of this information, it must be deleted.

Please investigate this matter and confirm the results of your review in writing. I have attached a copy of my credit report with the disputed item highlighted for your convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: CA

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA

Complaint narrative:
I am a XXXX  loan borrower currently attempting to sell my home. My mortgage servicer, PennyMac, issued a payoff demand of {$590000.00}, despite my actual principal balance being {$530000.00} ( confirmed by mortgage statements from XXXX, XXXX, and XX/XX/year> ). The demand includes over {$58000.00} in additional charges, encompassing foreclosure attorney fees, late charges, inspection fees, and escrow advancesnone of which PennyMac has adequately itemized or justified. 
PennyMac previously disclosed a significant escrow shortage in XX/XX/year>, increasing my monthly payment to cover anticipated taxes and insurance. Despite clear knowledge of this shortage and escalating financial pressure, PennyMac continued adding monthly foreclosure-related fees ( including attorney costs and repeated property inspection charges ) without transparent communication or meaningful loss-mitigation options, which are required under XXXX  servicing guidelines. 

Between XX/XX/XXXX and XX/XX/year>, PennyMac increased foreclosure attorney charges alone from {$510.00} to {$1100.00}. When I contacted PennyMac on XX/XX/XXXX, they referred me directly to their foreclosure law firm ( identified only as " XXXX, '' phone number XXXX ). However, I had to prematurely end that call due to a medical emergency involving my non-verbal autistic child. 

I am now under immense pressure : if I close immediately, my net proceeds from selling my {$650000.00} home would be merely {$89.00}. If I delay signing even by one day to avoid acting under duress, daily interest accrual of $ XXXX and further compounded foreclosure charges mean I would end up owing moneypotentially needing to write escrow a personal check just to close the transaction. This coercive financial pressure is unacceptable, especially given PennyMacs failure to transparently justify fees.

I believe PennyMacs handling of this loan payoff violates principles of fair servicing, RESPA disclosure requirements, and VA loan servicing protections, causing significant financial harm. I request the CFPB urgently require PennyMac to : Provide a detailed, itemized breakdown of all foreclosure, escrow, legal, and inspection-related charges Justify each charge individually or waive any unjustified or excessive fees Issue a corrected payoff demand to facilitate a fair, transparent, and timely closing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: CA

Complaint narrative:
Ive made multiple attempts to address the errors on my credit report through the proper channels, but Ive received no meaningful response. The lack of resolution has been deeply frustrating and emotionally draining. These inaccuracies continue to damage my credit score and have led to repeated denials of credit, placing unnecessary strain on my financial well-being.

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 2025-07-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
On XXXX I received a call from Freedom Mortgage stating my XXXX payment wasn't received. It shows {$3400.00} payed and accepted on XX/XX/XXXX through my bank and Freedom. Freedom was held money, did not return it, and did not applied it to my account. Stated they authorized to hold funds to being short {$54.00}. Freedom stated my insurance increased and document mailed XX/XX/XXXX ( which I didn't receive and have since filed complaint with XXXX ). I paid remaining amount on XXXX once I was aware of shortage, but was advised it would be reported to credit agencies that entire payment of {$3500.00} was not made, and refused to report that XXXX was accepted by them an paid. Requested assistance as I was unaware of increase, and paid immediately upon realization there was a shortage in new payment. This was 31 days past due. Was informed they would not report I made all of payment but {$54.00}. I asked for amount future payment, which was XXXX. Document sent shows- {$100.00}, which was late fee amount. Once I looked my account again it shows payment due for {$3600.00} in XXXX location, XXXX reflected on another area of account. Not clear what my payment is. XXXX making my payments, on time, have requested support in getting account current due to {$54.00} discrepancy this month. I tried to call Escalations Dept again on XXXX XXXX for support and sat on hold for 30 min with no response.

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 2025-07-02 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 am filing this complaint against Experian, TransUnion, and Equifax for willfully violating my rights under the Fair Credit Reporting Act ( FCRA 611 ) by refusing to properly investigate and verify a disputed account despite three formal written requests sent by certified mail and notarized, as recommended by the bureaus themselves. 

The disputed account is from XXXX XXXX, reported as a charge-off. I formally disputed this tradeline on three separate occasions over the past few months. Each dispute included a request for : A copy of the original signed agreement or application, An itemized breakdown of the charges and balance, Confirmation that the account was not fraudulent, And the method of verification used.

I incurred personal cost each time, paying for notarization, certified postage, and printing, just to comply with the bureaus ' own suggestions. Yet each time, I received nothing but : A generic form letter stating, Th
e debt has been verified, and A final notice from at least one bureau stating they will conduct no further investigation, despite never having conducted a real one to begin with.

Not once was I provided any documentation, contract, or evidence to support the continued reporting of this derogatory account which is a direct violation of FCRA 611 ( a ) ( 6 ). 

Furthermore, when I contacted XXXX XXXX directly to request supporting documents, I was directed to the collections department who could provide no proof but instead harassed me for weeks after and still do this day about paying a debt they refuse to prove and is not mine. 

This should have raised red flags during the bureaus investigation, yet they chose to rubber stamp the account as verified with no due diligence, no documentation, and no transparency.

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 2025-07-02 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: CA

Complaint narrative:
I am filing this complaint against Experian, TransUnion, and Equifax for willfully violating my rights under the Fair Credit Reporting Act ( FCRA 611 ) by refusing to properly investigate and verify a disputed account despite three formal written requests sent by certified mail and notarized, as recommended by the bureaus themselves. 

The disputed account is from XXXX XXXX, reported as a charge-off. I formally disputed this tradeline on three separate occasions over the past few months. Each dispute included a request for : A copy of the original signed agreement or application, An itemized breakdown of the charges and balance, Confirmation that the account was not fraudulent, And the method of verification used.

I incurred personal cost each time, paying for notarization, certified postage, and printing, just to comply with the bureaus ' own suggestions. Yet each time, I received nothing but : A generic form letter stating, Th
e debt has been verified, and A final notice from at least one bureau stating they will conduct no further investigation, despite never having conducted a real one to begin with.

Not once was I provided any documentation, contract, or evidence to support the continued reporting of this derogatory account which is a direct violation of FCRA 611 ( a ) ( 6 ). 

Furthermore, when I contacted XXXX XXXX directly to request supporting documents, I was directed to the collections department who could provide no proof but instead harassed me for weeks after and still do this day about paying a debt they refuse to prove and is not mine. 

This should have raised red flags during the bureaus investigation, yet they chose to rubber stamp the account as verified with no due diligence, no documentation, and no transparency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am filing this formal dispute regarding an account reported by Bank of America, partial account number XXXX, currently appearing on my credit report with XXXX  as a Charge-Off with late payments of 30 and 60 days reported in XXXX and XX/XX/year>, and a status of Paid in settlement. {$1000.00} written off. 

Dispute Reason : I do not recognize this account as mine and was not properly notified or provided with clear documentation about its opening, usage, or collections process. I have previously requested validation but have not received adequate proof or legal documentation to confirm the legitimacy of this debt. 


-- - Legal Grounds for Dispute : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : Under Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information I believe is inaccurate, incomplete, or unverifiable.

All information reported must be accurate, complete, and verifiable. If not, it must be promptly removed from my credit file. 



2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 : Under Section 809 ( a ) ( 15 U.S.C. 1692g ), I have the right to request validation of any debt. If the debt can not be verified, it should not be reported negatively.

I was never provided with any contract or legal proof showing that I authorized or owed this account. 



3. CFPB Guidelines : If a data furnisher or credit bureau can not verify the account with proper documentation, the item must be corrected or deleted. 

Although the account is marked Paid in settlement, it still reflects negatively with a charge-off and multiple late payments, which is misleading and unfairly damaging my credit. 





-- - I am requesting the following : Immediate deletion of this account from my XXXX  credit report ( and other bureaus if applicable ).

A full investigation with supporting documentation including : original signed contract, billing history, and all communications. 

That my rights under FCRA and FDCPA be honored, as this account was not authorized, verified, or validated properly.

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 2025-07-02 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: Security Credit Services, LLC
State: AL

Complaint narrative:
I recently reviewed my credit report and found inaccurate and unauthorized information being reported under my name. These accounts are damaging my credit and affecting important areas of my life, including my ability to qualify for housing, credit, and financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: SC

Complaint narrative:
I've recently received a copy of my credit report and noticed several accuracies and unauthorized accounts information reporting to my credit report. These remarks have been detrimental to my credit my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: SC

Complaint narrative:
I've recently received a copy of my credit report and noticed several accuracies and unauthorized accounts information reporting to my credit report. These remarks have been detrimental to my credit my life and credit health.

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 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synter Resource Group, LLC.
State: IA

Complaint narrative:
We had a business a few years ago, but closed it at the end of XXXX. We never had a XXXX account under that business name. 

We have now received XXXX collection letters for shipments in XXXX, and they reference a XXXX account number we have never used/had. 

Any shipments we did with XXXX under that name were created and paid for thru XXXX- so there would be no way for us to have a XXXX account for that business. 

In addition, the wording on the letters does not exactly match - things like Amount owed as of a date - do not match the transaction history shown on the previous letter. 

In addition when I look up these addresses, it does not match a XXXX location and there are lots of internet reports of this being a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: VA

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. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: FL

Complaint narrative:
I was checking my credit report and found this that I don't recognize. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have XXXX  days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/year> my debit card had an unauthorized charge to the XXXX XXXX XXXX of {$140.00}. On XX/XX/year> I filed a complaint and canceled that card. On XX/XX/year> Huntington stated they investigate and the charge was authorized. They will not provide me with the details of said investigation. They state i used my chip and entered my pin #. I have never set foot in said library. I contacted the XXXX XXXX  XXXX and the library trying to get proof that i was not in the library. I have possession of the card that they are stated was used which is impossible because I have it. This card was also on my XXXX wallet. Someone used this card for the {$140.00} without my acknowledgement. There is no way my physical card could have entered the card reader as i have never entered that library. I requested the receipt from the library and from Huntington. Either company can provide the details. I made a police report to get footage of the transaction that took place on XX/XX/year> @ XXXX XXXX. I am not sure who can help because this charge was not done by me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$31000.00} XXXX XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/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 2025-07-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Data Mortgage Inc.
State: TX

Complaint narrative:
We started the short sale process in XX/XX/year>. It is now XXXX. We have had to pass up an off on our home in XXXX, due to the lack of response and timeliness of the mortgage company. You have to set appointments to speak to them which can take days. We have asked more than once about lowering the price of the home, as other comps are lower than ours and we do not get responses. 

Ive emailed our realtor has emailed asking if we can lower the price. No responses.

Company response to consumer: Closed with explanation