vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I never authorized its creation or use. I have included the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: Activehours
State: WA

Complaint narrative:
I cancelled and deleted my account and also shut down my bank account through XXXX  with my bank and the money still withdrew from my account today XX/XX/year> from the company EarnIn.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Consumer Portfolio Services, Inc.
State: MN

Complaint narrative:
I co-signed a XXXX XXXX XXXX loan with Consumer Portfolio Services ( CPS ) in XX/XX/XXXX. CPS authorized financing of about {$10000.00}, demonstrating they believed the vehicle was worth that amount. After my spouse, the primary driver, died in XX/XX/XXXX, I asked CPS to accept a voluntary surrender so the car could be sold promptly. CPS refused and did not repossess until XX/XX/XXXX. CPS later claimed a deficiency of {$6600.00} and said the vehicle sold for only ~ {$5000.00}. This dramatic drop from their original $ XXXX valuation indicates they failed to act promptly and did not obtain a commercially reasonable sale price. 

On XX/XX/XXXX, I sent CPS a written dispute and demand for validation and accounting under the UCC, requesting notices, advertising/bids, sale details, costs, and proof the disposition was commercially reasonable ( UCC 9-610, 9-611, 9-614, 9-626 ; accounting rights under 9-210 ). CPS has provided no documentation. Despite this, CPS reported a charge-off/deficiency to XXXX XXXX XXXX XXXX XXXX 

I believe XXXXPS is furnishing inaccurate or unverifiable information and continuing to report a balance without substantiation. The fact that CPS valued the vehicle at over {$10000.00} when they financed it, yet now claims it sold for only {$5000.00} after delaying repossession, suggests the sale was not conducted in a commercially reasonable manner. I have filed disputes with all three CRAs ( XX/XX/XXXX ). This reporting has damaged my credit and my access to credit and housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I would like to express my deep gratitude to the CFPB and the Office of the Attorney General of XXXX for their swift and meaningful support in addressing the injustice I was facing. Their intervention led to the prompt removal of the fraudulent group that had been exploiting me for an extended period using unauthorized power. 
However, these companies are not the only ones that violated my rights. Others, such as XXXX and my business insurance provider, also acted unlawfully against me. 
Furthermore, the credit-related companies that abused my data have still not ceased their deceptive and invisible use of my personal information. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: PENNYMAC LOAN SERVICES, LLC.
State: IN

Complaint narrative:
New mortgage, first payment was not paid on-time, as mail was missed. 

XXXX was setup, but transactions never went through. 

As an example, going to their website ( mypennymac.pennymac.com ) on XX/XX/year>, shows : " Source : XXXX XXXX '' " Payment Effective Date : XX/XX/year> '' " Payment Confirmation Code : XXXX '' " Status : Scheduled '' Yet, money is not withdrawn from the account. When calling the company, they inform me that payment is suspended ... and that I need to call back again to ensure that autopayment is re-enabled after 24-hours of making a payment manually.

PennyMac is has been charging me late fees for payments that I had every reason to believe were going to be made automatically, as confirmed by their own online portal.

I request the CFPB to investigate PennyMac 's practices regarding their XXXX system. I believe it is a deceptive practice to show a payment as " Scheduled '' and provide a confirmation code when the payment has been unilaterally suspended by the company without any notification to the customer.

I also request that PennyMac be directed to : Immediately reverse all late fees that have been charged to my account in relation to this incident. 

Properly apply my payment as of the scheduled date, recognizing that the delay was due to their system 's failure, not my own. 

Provide a clear explanation and resolution for the failure of their XXXX system. 

The screenshots and documents attached are the most recent example. I do not have screenshots of all the prior months. 

Thank you for your attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: CA

Complaint narrative:
Im reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine. 

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own. 

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is 100 % accurate and verifiably connected to me. In this case, that standard is not being met.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
There were several fraudulent transactions on XX/XX/2025 from XXXX, XXXX  that were not mine. I get a call from XXXX XXXXXXXX XXXX who I believed was a representative from Bank of America. He told me that {$5000.00} was wired to a XXXXXXXX XXXX account from my account and another {$2500.00} to a 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 monetary relief
Consumer complaint received 2025-09-06 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:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alliance Collection Agencies, Inc.
State: GA

Complaint narrative:
Today I received a notice in the mail from Alliance Collection Agencies about an debt that I dont owe. I have full medical coverage through my employer. I don't owe this company any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: DISCOVER BANK
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below : XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Discovers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Dear CFPB, I am filing a formal complaint against Experian, Equifax, or TransUnion regarding their handling of my Round 2 credit dispute.

I submitted a dispute regarding inaccurate information being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), the bureau is required to conduct a reasonable investigation and either verify, delete, or correct the information within 30 days. 

Instead of providing proof of validation or documentation from the furnisher, the bureau responded that the account was verified but did not supply evidence supporting this conclusion. This constitutes a failure to comply with FCRA XXXX ( XXXX U.S.C. 1681i ).

The disputed item ( s ) are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Reporting inaccurately as Collection XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Reporting inaccurately as Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Reporting inaccurately as Collection XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Reporting inaccurately as Collection XXXX XXXX XXXX XXXX XXXX XXXX - Reporting inaccurately as Late XXXXXXXX XXXX XXXX XXXX - Reporting inaccurately as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting inaccurately as Collection XXXX XXXX XXXX XXXX XXXX - Reporting inaccurately as Collection

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
You have 15 days to remove these invalid accounts, as mandated by USC 1681g.

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 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been in touch with Equifax many time in and out. I have been having issue with them when come to having my credit pull from Them. I have already gave the information they ask me for many time in and out. I have upload and sent to them still not matter has been resolved or fix.they saying my personal profile does not match but already verified who Im many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: WY

Complaint narrative:
Im filing a complaint about Citibank regarding a failed balance transfer, poor customer service, and obstructed account closure. 

I called to initiate a balance transfer, and the representative on the phone confirmed it was successful. A week later, no record of it appeared in my account. When I called back, there was no record of the transaction at all. I was hung up on by one representative, and the next rep told me word for word You cant close your account just because you want to. 

I had to verify my identity multiple times, and their system is unable to send verification texts to my XXXX XXXX XXXX XXXX ( the only company Ive had this issue with ), so Im now waiting 710 business days for a physical letter just to close my own account. After I mentioned legal action, the tone changed and they finally began processing the closure. 

This entire experience has been exhausting, with repeated runarounds and dismissive, heavily scripted offshore phone support. It seems clear Citi is counting on customers giving up rather than standing up for themselves. Im asking for this to be reviewed and for Citi to be held accountable for misleading service and blocking lawful account closure without proper cause. 

Thank you for your time.

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 2025-09-06 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
I received a mailed notice from ( XXXX ) XXXX XXXX and XXXX seeking the collection of {$260.00}. The letter states the creditor as XXXX  XXXX at XXXX XXXX which is a subsidary of XXXX XXXX XXXX. 

I lived at the XXXX and left on XX/XX/scrub> 2025 as my move out date, I took picture of my apartment and documentated the handover via email with property management. I asked about my security deposit and for months received no answer. 

It is no longer XXXX and I have received this notice stating they are requesting {$260.00}, I received no prior communication via email, phone call or mail from XXXX ( all of which were provided to them among moving out ) or XXXX until this point. I have requested what this debt pertains to and have received nothing from either party.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: IL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I request Navy Federal Credit Union to back date my interest charges due to my XXXX XXXX for the last XXXX and half years I provided them with my orders and they refused to accommodate me with this request. My other creditors refunded me my interest, but navy federal refuse to do so. Please help me with this matter. I requested this around XX/XX/XXXX. I was XXXX since XX/XX/XXXX to XX/XX/XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-09-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
The company has persistently tried to reach out to me regarding this unknown debt, which is indeed accurate.d accurate.

Company response to consumer: Closed with non-monetary relief