vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: MN

Complaint narrative:
I contacted PennyMac on XX/XX/XXXX and provided my property tax statement showing that I had paid my taxes through XXXX. I indicated that I would like to escrow them for XXXX and asked for a payment amount if I were to do so. They came back with a response on XX/XX/XXXX with the following email : From : The Secure Message Team When : XX/XX/XXXX @ XXXXXXXX XXXX Re : Loan # XXXX Dear XXXX XXXX, Thank you for providing your supporting documentation to establish an escrow account on your loan. Your new estimated payment amount will be {$3300.00} effective XX/XX/XXXX. If you wish to proceed with your request, please reply with your consent. Thanks for your time today! While reviewing your loan details, we noticed we might have some great options for your next home purchase or refinance. If you're interested, you can get started online at apply.pennymac.com.Prefer to speak with a loan XXXX? Give us a call at ( XXXX ) XXXX. We're available XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, The Secure Message Team Then, on XX/XX/XXXX, I received the following email indicating the following : NEW MONTHLY PAYMENT : {$3100.00} Starting : XX/XX/XXXX I never responded giving consent to update it, AND, it's {$200.00} less than what the email that I pasted above said. I replied to them indicating this, and then got the following message back on XX/XX/XXXX that said : From : The Secure Message Team When : XX/XX/XXXXXXXX XXXX XXXX XXXX Re : Loan # XXXX Dear XXXX XXXX, Hello, I see the amount that we have to pay out for taxes for XXXX is {$0.00} since you paid it yourself. If I make an adjustment to have the taxes updated and I run an out of cycle analysis your new estimated payment will be {$2500.00} effective XX/XX/XXXX. If you wish to proceed with your request, please reply with your consent. Thanks for your time today! Sincerely, The Secure Message Team My current monthly mortgage payment is {$2500.00} so this makes no sense whatsoever. It appears they didn't even look at my statement ; the amount is vastly different. I do not have confidence that this is correct to ensure my taxes are paid properly. I have XXXX trust in this company- this is XXXX of several experiences I've had dealing with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 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: MD

Complaint narrative:
I recently reviewed my credit report and noticed accounts that I believe are the result of identity theft. These accounts do not relate to any transaction made by me and I did not authorize them. I previously contacted the credit bureau regarding this issue, but the accounts are still being reported on my credit report. I am submitting my Identity Theft Report along with proof of my identity and address. FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX 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 2026-04-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
I previously submitted a dispute on XX/XX/XXXX, and to date, I have received no response or results of any investigation. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires completion of an investigation within 30 days. In addition, I have already provided supporting documentation, including : A payoff letter dated XX/XX/XXXX Proof that I received the title to my vehicle, which was used as collateral for this loan Given these facts, the continued reporting of this account as a charge-off with late payments is inaccurate, misleading, and legally questionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
Subject : Failure to Validate Debt and Inaccurate Balance Reporting Account : National Credit SystemsXXXX I sent multiple written requests for validation of an alleged debt. The company failed to respond or provide any documentation. Despite this, they continue to report the account on my credit report and have increased the balance by adding interest and/or fees. This is a violation of the Fair Debt Collection Practices Act ( FDCPA 809 ) and the Fair Credit Reporting Act ( FCRA 623 ), as the account is being reported without proper validation and with an inaccurate, increasing balance. The company has not provided : A signed contract Proof of ownership of the debt A complete accounting of the balance I am requesting immediate deletion of this account from all credit reporting agencies due to failure to validate and inaccurate reporting. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I am on XXXX. LVNV is listed under numerous business entities. I have over two hundred emails AFTER the dates when I asked them to stop their harassing emails and phone calls. They have sent me emails stating that they can not sue me in court. They have proceeded now in taking me to court twice despite this written on emails. I have asked even in the one court hearing for written validation that they own this debt and I was ignored. Now yesteday, they ignored a judges order that all hearings pertaining to this court hearing were to be held in XXXX XXXX where I live. LVNV went into XXXX XXXX, which is downstate Michigan and filed for a garnishment order. Its a non collectable amount but its just another form of harassment of LVNV. They send me notices under XXXX XXXX. Resurgent. LVNV... etc... I don't know who I'm dealing with. I keep everything. This company has an F rating. They don't know what they are doing and as I am on XXXX I do not have the funds to pay this debt. They are trying to still collect and ruin my credit. I do not have the funds to buy groceries at this point. Under FCRA 611,623605 and 809 I have rights. I want them enforced. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my fourth attempt to try to get this fraudulent credit card off of my credit history. Ive double back and gotten multiple police reports to back my claim of this credit card being a result of identity theft. In this complaint I will submit a police report filed when my identification card for example my social security and drivers license was stolen at the scene with the direct line and numbers for the police department. I will also include a prior ftc report. This comment has left a comment on my credit report stating that the account is in good standing for the fair credit report act and that is false. This account was charged off months ago but it was due to identity theft and I would like it completely removed. Ive tried to file a claim with discover for identity theft for this account but they shut me down and insisted that it was an accurate account. If this last and final attempt doesnt work I have hired a lawyer and will proceed with legal action. Ive take. The necessary steps to prove this account was not opened by me and every attempt has failed. This will be my last attempt before legal action is taken

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/year>, I transferred funds from my bank to my Chime account and sent a person-to-person payment of {$170.00} to an individual for speaker installation services. The agreed expectation was that the service would result in fully functioning speakers. During the installation, the individual informed me that my amplifier was blown, which was presented as the reason the system was not functioning properly. I expressed that I was not comfortable paying for an incomplete service; however, based on this explanation and acknowledgment of the labor performed, I proceeded with payment. After the service, I had the amplifier independently tested and confirmed that it is fully functional. I was also informed that the issue was due to incorrect wiring performed during the installation, not a defective amplifier. As a result, the service I paid for was not delivered as agreed. I contacted the service provider and requested a partial refund of {$75.00} due to the incomplete and incorrect service. My request was refused. I then contacted Chime to dispute the transaction and request a review, but I was informed that person-to-person payments are not eligible for dispute review. I am requesting that this matter be reviewed, as the payment was made based on inaccurate information that directly affected the outcome of the service, and I did not receive the agreed-upon result.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: MO

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Missouri, XXXX XX/XX/year> LVNV Funding LLC LVNV Funding LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX Re : Request for Debt Validation Account XXXX To Whom It May Concern, I am writing in response to your communication regarding the above-referenced account. I do not acknowledge this debt and request that you provide validation of it, as required under the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following information : 1. The amount of the alleged debt, including any fees, interest, or charges. 2. The name and address of the original creditor. 3. Documentation showing that I am legally obligated to pay this debt. 4. A copy of any agreement bearing my signature related to this debt. 5. Proof that your agency is authorized to collect on this debt in my state. Until you provide proper validation, I request that you cease all collection activities and communication with me regarding this matter. If you can not provide the requested validation, please confirm in writing that this account has been closed and that no further collection efforts will be made. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo dishonored a payment to my mortgage lender from my checking account in XXXX. I made another payment to my mortgage lender and it finally posted on XX/XX/XXXX through Wells Fargo. Then on XX/XX/XXXX, Wells Fargo reposted the prior dishonored payment again without my authorization, so my checking account was overdrawn by XXXX, which was the dishonored mortgage payment. I called Wells Fargo and asked them to cancel or stop the second payment. They would only offer to start a claim and there is a XXXX waiting period to resolve. I escalated with their XXXX but she refused again to stop payment and forced me to file the claim. In the past, they would stop payment if this sort of situation happened, now they refuse to help me and I will have my account overdrawn by XXXX unfairly. I have been a customer for over XXXX years and they treat me like a criminal, making me swear by an affidavit just to have to stop payment on their mistake.

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 2026-04-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This is my fourth ( XXXX ) formal notice regarding your ongoing failure to comply with federal credit reporting mandates. We have reached the conclusion of the statutory reinvestigation period. Under the Fair Credit Reporting Act ( FCRA ), the creditors/furnishers have been afforded ample opportunity to provide competent evidentiary matter to verify the accounts in question. Their failure to do so by this stage constitutes a final failure of verification. I. NOTICE OF STATUTORY DEFAULT AND MANDATORY DELETION Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ), your agency was provided the statutory period to complete a reasonable reinvestigation. As three consecutive dispute cycles have concluded without the production of competent evidentiary matter or a Method of Verification ( MOV ) as mandated by 15 U.S.C. 1681i ( a ) ( 7 ), the investigation has reached a terminal state of non-verification. The law now dictates the following mandatory actions : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Since the disputed information ' can not be verified ' after a reasonable reinvestigation, your agency 'shall ' promptly delete that item from the file of the consumer or modify that item. The use of the word 'shall ' removes all administrative discretion ; deletion is a compulsory requirement. 15 U.S.C. 1681s-2 ( b ) : The furnishers/creditors have exhausted their statutory timeframe to provide verification. Their failure to substantiate the data upon notice of dispute requires your agency to suppress and remove the unverified tradelines immediately to maintain the 'maximum possible accuracy ' standards required under 15 U.S.C . 1681e ( b ). '' II. WILLFUL AND NEGLIGENT NON-COMPLIANCE Continuing to report unverified or inaccurate data after 30+ days of formal dispute constitutes : 15 U.S.C . 1681n : Willful non-compliance, exposing your agency to actual and punitive damages. 15 U.S.C. 1681o : Negligent non-compliance by failing to uphold the " Maximum Possible Accuracy '' standard of 15 U.S.C. 1681e ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Branch Messenger, Inc.
State: MO

Complaint narrative:
Company administers payroll for XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX has paid my wages to Branch, but Branch thus far has yet to grant access to my funds. Company has no customer support mechanism to speak of. Phone and chat support requests are handled by an ineffective AI. I'm told over and over the issue has been " escalated '', but the issue is never resolved and my attempts to contact support have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report. XX/XX/XXXX JEFFERSON CAPITAL SYST {$2600.00}. XX/XX/XXXX JEFFERSON CAPITAL SYST {$1600.00}. XX/XX/XXXX JEFFERSON CAPITAL SYST {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I transferred my loan from Santander to XXXX XXXX XXXX in XX/XX/year>. I am trying to sell my Vehicle and requested a payoff from my current lender ( XXXX XXXX ) I was told after pulling a title check that my Title is still registered with Santander and not Capital XXXX. I have made several requests and still have no answers where it is in process or when I will have it transferred. This is over XXXX months since I transferred my loan and the XXXX XXXX have transferred. I need this title transferred immediately. I have talked to the title department XXXX times with no one speaking good XXXX and no willing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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 disputing the accuracy and completeness of this account as reported to Equifax , Experian, and TransUnion under the Fair Credit Reporting Act. The tradeline contains inconsistent or potentially inaccurate XXXX XXXX data fields, including payment history and account status that do not align with my records or supporting documentation. These discrepancies may be causing the account to be reported in a misleading manner that does not reflect accurate furnishing standards.

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 2026-04-23 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: CA

Complaint narrative:
I am disputing the accuracy and completeness of this account as reported to Equifax , Experian, and TransUnion under the Fair Credit Reporting Act. The tradeline contains inconsistent or potentially inaccurate XXXX XXXX data fields, including payment history and account status that do not align with my records or supporting documentation. These discrepancies may be causing the account to be reported in a misleading manner that does not reflect accurate furnishing standards.

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 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I got charged XXXX different charges from XXXX on my goldman sachs apple card. The charges were XX/XX/year> : {$130.00}, XX/XX/year> : {$600.00}, XX/XX/year> : {$5.00}. None of these charges were authorized and were disuputed immediately. They approved the smallest charge of {$5.00} but are continueously declining the larger charges. I have disputed these charges for over a year, yet they are not doing anything to help me and spin me in circles every time. I reached out to XXXX to get information to help my case, but they told me they cant do anything for me because the purchase was not made on my account. So when Goldman sachs asks for information to help my case, I have no physical evidence because I did not make the purchases so nothing is there!!! It is very frustrating that I have been dealing with this for over a year and {$740.00} is a lot of money that I am being held liable for when Goldman Sachs or XXXX had a security breach and someone stole my credit card!

Company response to consumer: Closed with explanation