vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 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: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I am currently under active loss mitigation review with PennyMac. PennyMac has acknowledged receipt of a complete loan modification application, and I have been informed that my file is pending underwriting decision. 

Despite my full cooperation and the application being complete, PennyMac has not provided written confirmation that my loan is coded to prevent additional adverse credit reporting while underwriting review is pending. I have been advised that if a full payment is not received by the end of the month, the account may be reported 30 days late again after XX/XX/XXXX, even though the delay is due solely to PennyMacs underwriting timeline. 

Reporting an additional delinquency while a complete loss mitigation application is under review would be misleading and inaccurate, as I am actively engaged in the CFPB-regulated loss mitigation process and awaiting a servicer decision. I have made partial payments in good faith while complying with PennyMacs instructions and have not refused payment.

I am requesting that PennyMac : Immediately confirm that my account is properly coded as active loss mitigation review ; Suspend or suppress adverse credit reporting while underwriting review is pending ; and Place my loan into a short-term forbearance or equivalent reporting protection to prevent additional delinquency reporting caused by servicer delay. 

I am not requesting a waiver of payment or special treatment. I am requesting compliance with CFPB Regulation X requirements to ensure accurate credit reporting while a complete loss mitigation application is under review.

I respectfully request written confirmation of the account coding and assurance that no additional late payment reporting will occur while PennyMac completes its underwriting decision. 

Partial Payment made in XX/XX/year> for the amount of {$1200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: PA

Complaint narrative:
I disputed an alleged debt with Columbia Debt Recovery LLC ( Genesis ) in writing on XX/XX/year>. They acknowledged the dispute and confirmed that collection activity would stop. Despite this, my credit score dropped by XXXX points shortly thereafter, indicating that the disputed debt was reported or updated with credit bureaus after the dispute. This appears to be a violation of the FDCPA and FCRA. I am requesting immediate deletion or correction of the tradeline and confirmation that no negative credit reporting remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
The company involved is Western Union I send {$400.00} to my girl since XXXX XXXX to be deposit on her bank account ( XXXX  XXXX XXXX ) the bank said is no transaction from XXXX XXXX XXXX that name I call Western Union XXXX XXXX they keep said they are investigating I make a request for my refund cause my family need the money but seems like they dnt want to give me my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
The Debt collector XXXX XXXX XXXX has been repeatedly calling me including on XX/XX/XXXX which I specifically asked them not to call me on holidays which XX/XX/XXXX is a holiday to me as it is XXXX XXXX. They have called me on Sunday which was XX/XX/XXXX date they called to threaten by saying I would be sued if I dont pay this debt off. They constantly keep calling when I told them I do not want to be called repeatedly. They call from different numbers to try and get me to answer the phone to work out a debt which I already have paid more than half off and they still want to continue to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian is refusing to block an identity-theft account ( XXXX ) after I submitted a complete request under FCRA 605B, including an Identity Theft Report and identification. 

The law requires blocking within 4 business days. Experian has failed to comply or provide a lawful basis for refusal. 

I am requesting immediate deletion

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 2025-12-24 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: PNC Bank N.A.
State: IN

Complaint narrative:
In XX/XX/2025, my PNC accounts were restricted or frozen due to an unresolved fraud dispute involving two unauthorized XXXX transfers totaling {$2000.00}. Because of these restrictions, I was unable to access online banking, manage my accounts, change statement preferences, or meet the conditions required to avoid monthly service charges. My online access was removed on XX/XX/XXXX and was not restored until XX/XX/XXXX. 
Despite these restrictions, PNC assessed monthly service charges and paperstatement fees during a period when I could not meet the waiver requirements or switch to online statements. I requested an explanation for why fees were charged while access was limited, but PNC did not provide one. 
I also requested documentation of the investigation into the unauthorized XXXX transfers, including device and access logs, the basis for their determination, and the Regulation Erequired written explanation. PNC did not provide this information. Instead, PNC repeated prior boilerplate language and stated that no new information had been provided, even though the account restrictions and loss of access were new and directly relevant. 
PNC labeled {$9.00} in refunded paperstatement fees as monetary relief, but this does not address the underlying issues : fees charged during restricted access, the inability to meet waiver conditions, and the unresolved {$2000.00} unauthorized transfer. 
I am requesting that PNC refund all fees assessed during the restricted period, reopen and properly investigate the unauthorized transfers, and provide the documentation required under Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Considering my reliable payment history, the late payment on my account is unjustified. Please correct this mistake by removing it and ensuring my account is accurately updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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:
These accounts do not belong to me in any form and must be removed within 15 days per USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: LEXISNEXIS
State: TX

Complaint narrative:
I am submitting this complaint to formally report illegal and inaccurate credit reporting by a third party in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

A third-party consumer reporting entity has furnished and/or reported adverse information to my consumer report without my written consent, without permissible purpose, and without verification from the original furnisher. The furnisher has confirmed in writing that this information was not provided, authorized, or validated by them, yet the information continues to be reported. 

This conduct constitutes clear violations of federal law, including but not limited to : 15 U.S.C. 1681b Reporting and furnishing information without a permissible purpose or written authorization 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a lawful and reasonable reinvestigation 15 U.S.C. 1681s-2 ( a ) Furnishing information known or confirmed to be inaccurate Third-party databases, internal records, or automated systems do not constitute lawful verification under the FCRA. Continued reporting of information that the furnisher has denied supplying or confirming is knowingly inaccurate and unlawful. 

Despite notice of dispute, the third party has failed to correct or remove this information and continues to disseminate it, causing ongoing harm to my consumer rights, credit standing, and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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:
I am not associated with the creditors listed and did not authorize this inquiry. Please remove it from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: VA

Complaint narrative:
My step mom XXXX XXXX XXXX applied for a lot of student loans in my name while I was in jail

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I respectfully dispute the classification of this complaint as a duplicate. 

This complaint raises distinct and unresolved issues that were not addressed in any prior complaint, specifically GM Financials failure to identify, produce, or authenticate any arbitration clause governing the alleged contract. 

The purpose of this complaint is narrowly focused on the following new and material issues : XXXX. Demand for Production of an Arbitration Clause GM Financial has taken adverse actions and asserted contractual rights while failing to identify or produce any arbitration agreement, including the section, page number, governing rules, or administrator. 
When I attempted to initiate arbitration with the XXXX XXXX XXXX ( XXXX ), the case was closed because no arbitration agreement naming XXXX was produced. 
XXXX. Contract Authentication and Execution GM Financial continues to rely on a purported contract that contains : An incorrect spelling of my name A signature that is not mine and has not been authenticated No prior complaint sought formal authentication of the contract or proof of execution tied to an arbitration clause. 
XXXX. Improper Enforcement Without a Valid Arbitration Agreement This complaint challenges GM Financials continued enforcement efforts in the absence of a valid arbitration clause, which is a separate legal and regulatory issue from general account disputes or reporting concerns. 

Because GM Financial has never produced an arbitration clause or admitted that none exists, this matter remains unresolved and can not be considered duplicative. The requested relief production or admission regarding arbitration has not been previously addressed or resolved. 

I respectfully request that the CFPB : Require GM Financial to respond substantively to the arbitration-clause demand and contract authentication issues raised in this complaint Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account is incorrectly reported under my name.

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 2025-12-24 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: CA

Complaint narrative:
I am submitting this complaint to formally dispute inaccurate and unverifiable credit reporting that continues to appear on my consumer credit reports and has caused ongoing financial and reputational harm. 

XXXX XXXX Acct # XXXX Date Opened : XX/XX/year> High Balance : {$0.00} Issue : Late Payment This account is also reporting late payments that I dispute as inaccurate. The continued reporting of unverified late payment information after multiple disputes suggests a failure to conduct a reasonable investigation as required by federal law. If the late payments can not be validated with proper documentation, the payment history must be corrected immediately.

Applicable Law : FCRA 1681e ( b ) Accuracy and completeness requirement FCRA 1681i ( a ) ( 1 ) ( A ) Mandatory reinvestigation of disputed information FCRA 1681i ( a ) ( 5 ) ( A ) Correction of inaccurate information Consumers have the right to fair, accurate, and verifiable credit reporting. The continued reporting of inaccurate late payment information violates federal law and causes measurable harm. I am requesting CFPB intervention to ensure compliance with the Fair Credit Reporting Act and to protect my consumer rights.

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 2025-12-24 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: VW Credit
State: MA

Complaint narrative:
I am disputing an auto finance account reported by Volkswagen Credit XXXX XXXX that resulted from identity theft. 

I did not apply for, authorize, or consent to any credit application, retail installment sale contract, or auto financing. My personal identifying information was used without my permission by a family member in connection with a vehicle transaction facilitated by a Volkswagen dealership. 

Volkswagen Credit continues to maintain and report this account despite notice and documentary proof that the transaction is fraudulent. 

I have submitted an Identity Theft Affidavit and a comprehensive evidence packet. 

I am requesting immediate deletion of this account, cessation of all collection activity, and written confirmation that I have zero liability pursuant to the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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 unaffiliated with these accounts and demand removal within 15 days under the Fair Credit Reporting Act.

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 2025-12-24 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: Possible Financial Inc
State: FL

Complaint narrative:
I am filing a complaint against XXXX for a violation of the Fair Credit Reporting Act ( FCRA ). 
A loan collection account was previously deleted from my Experian credit report. XXXX has now reinserted this account without providing the required written notice within five business days, as mandated by FCRA 611 ( a ) ( 5 ) ( B ).

I did not receive any reinsertion notice, certification of accuracy, or explanation of the method of verification prior to or after reinsertion. I was only alerted that the account had reappeared on my credit report. 
I am requesting immediate deletion of this account due to XXXX failure to comply with federal law, along with confirmation that the account will not be reinserted again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NC

Complaint narrative:
On Wednesday XX/XX/year> I received an email that my Chime banking account has now been closed due to recent filing of XXXX  XXXX bankruptcy when I am not in a bankruptcy and have not recently filed one at all. All of my money was in that account, my paycheck goes into that account, and instead of being given a notice that the account was subject to being closed, they closed it in an instant with all of my funds still in there and two days away from XXXX at that. I spent over an hour on the phone trying to resolve this and not only could they not reinstate my account they have yet to provide proper info on why this was done so suddenly and have also not reached back out to confirm where to send the money to me that was still in my account. Not only this, but the customer service agent said XXXX XXXX but you probably wont have a XXXX XXXX now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: WA

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: VA

Complaint narrative:
After reviewing my credit report, I identified multiple accounts being reported with inaccurate, misleading, and unverifiable information. A paid and closed auto loan is reporting a written-off balance alongside an extensive pattern of delinquency without documentation establishing the accuracy of the alleged deficiency or the billing history. Additionally, a charged-off credit card continues to report monthly delinquency and charge-off indicators years after the charge-off event, creating the false impression that the account remains active and collectible. I also identified a collection account reported by a XXXX-party debt buyer that has not provided proof of legal assignment, chain of title, or verified consumer liability. I submitted disputes requesting reinvestigation and validation under the Fair Credit Reporting Act, yet the inaccurate information continues to be reported without evidence that a reasonable investigation or proper validation was conducted.

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 2025-12-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: TX

Complaint narrative:
PNC Bank has incorrectly claimed that my first auto loan payment was not made, despite the payment being successfully processed and posted by my bank. 

My payment was made through my bank and was posted on XXXX XX/XX/year>. Ive emailed PNC proof from my bank confirming the payment. Despite this, PNC has treated the account as delinquent and initiated collections activity.

Company response to consumer: Closed with explanation