vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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: PA

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction.

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 2025-10-15 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: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Retaliation and altering paynent ledger online PenFed after I filed a complaint Response and Timeline 1. There are only two options to pay the line credit listed Payoff Next Payment due 2. With these options, please explain how this happened 3. On the statement the balance for the line of credit reflects {$0.00} 4. Please provide a written policy that shows the app and the online customer ledger is wrong and customers should default to statement for accuracy XX/XX/XXXX XXXX LOC Advance {$500.00} XX/XX/XXXX Loan Payment {$500.00} Online and App report {$0.00} balance XX/XX/XXXX Late payment charge appears for {$29.00} XX/XX/XXXX Penfed reports change in payment status XXXX months past due on PenFed XXXX XXXX XXXX causing XXXX  credit score to drop XXXX points to XXXX o XXXX  and XXXX  followed as well XXXX XXXX into Penfed XXXX XXXX XXXX XXXX XXXX Customer Support o Duration 13 minutes o Representative said it was my fault and to dispute with the credit reporting agencies ( the call was recorded so a transcript will validate my claim ) XXXX ; XXXX XXXX  ET Customer Support o Duration 41 minutes o Representative said it was my fault and to dispute with the credit reporting agencies ( the call was recorded so a transcript will validate my claim ) o XXXX XXXX  ET Escalation o Duration 9 minutes o Acknowledged the error explained they were aware of this glitch and that it should have been fixed by now o Corrected the error as this was not a waiver but a correction as it was their fault ( the call was recorded so a transcript will validate my claim ) XX/XX/XXXX Penfed reports change in payment status -1 month past due on PenFed Line of Credit Complaint filed with o NCUA o Consumer Financial Protection Bureau XX/XX/XXXX Penfed reports change in payment status -account current paid as agreed on PenFed Line of Credit causing XXXX  credit score to increase XXXX points to XXXX points o XXXX and XXXX  followed as well XX/XX/XXXX Penfed changes the ledger to show the {$500.00} payment was made on XX/XX/XXXX XX/XX/XXXX Penfed report to the credit bureaus ( XXXX  ) that I opened a new account o This is fraudulent as I did not open a new account XX/XX/XXXX Penfed reports change in payment status XXXX months past due on PenFed Line of Credit- causing XXXX credit score to drop XXXX points to XXXX o XXXX  and XXXX  followed as well Please see the attachments

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 2025-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Every month they keep emailing me about debt they bought from creditors

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
Subject : Urgent : Wrongful Repossession, Unauthorized Account, and Data Breach Affecting Our Credit Dear XXXX  XXXX XXXX  Leadership Team, I am writing on behalf of both XXXX XXXX XXXX and XXXX XXXX XXXX XXXX regarding our leased XXXX XXXX and the ongoing, unresolved issues with XXXX XXXX XXXX. We have contacted your representatives numerous times and filed multiple complaints with the XXXX XXXX XXXX yet no meaningful action has been taken to resolve our concerns. 

Since leasing our vehicle, we have missed only one payment. During that time, I reached out several times in writing to explain that I had lost a family member and was facing a temporary hardship, but I never received a response or assistance. It felt like communicating with an automated system. I later made all past-due payments to bring our account fully current. 

Despite this, XXXX XXXX XXXX wrongfully reported a repossession on both of our credit reports. We never received any written notice or documentation about a repossession, and when we called for clarification, we were told repeatedly, We can not do anything for you, even after confirming the account was current. 

Even more concerning, a second account was opened under our names without our authorization. Every time we attempt to address this, we are redirected between departments or told that your company is legally in the right. XXXX was even given a disconnected phone number. 

We are now working with a credit specialist who has informed us that XXXX  XXXX XXXX has experienced a data breach, and that customer information, including personal data, is currently being sold on the dark web. This raises serious concerns about how our private information has been handled and whether our data has been compromised. 

This situation has caused significant and unjust harm to our credit and financial standing. We are requesting immediate written clarification and resolution, including : 1. Removal of the wrongful repossession marks from both of our credit reports.

2. Written confirmation of our accurate account status.

3. A full investigation into the unauthorized second account.

4. Formal acknowledgment of the data breach and confirmation of whether our personal information was affected.

5. A direct written response from XXXX  XXXX XXXX leadership addressing this matter in full. 

XXXX XXXX XXXX  ongoing lack of communication, accountability, and transparency has caused us serious distress. We are requesting a written resolution within 14 days from the date of this email before pursuing further action. 

Thank you for your attention to this urgent matter. We look forward to a prompt and fair resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: GA

Complaint narrative:
I called Mohela multiple times this year to report interest accruing on my federal direct loans during a period of zero percent interest for my federal direct loans under the Save Plan from XX/XX/XXXX through XX/XX/XXXX. My loans balance was not corrected prior to interest resuming on my account in XX/XX/XXXX. I was told by Mohela representatives that the interest accrual would have to be corrected by Federal Student Aid and they had submitted my account information for review. As of XX/XX/XXXX my current balance was {$22000.00}. Corrections were not made to my balance and I manually made a payment of {$300.00} in XX/XX/XXXX and {$100.00} in XX/XX/XXXX that were applied to incorrectly accrued interest. As of XX/XX/XXXX my current balance was {$22000.00} and as of XX/XX/XXXX my current balance grew to {$22000.00}. I have copies of the loan details mentioned. Additionally, it is difficult to speak with a live customer service representative in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: LA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX  XXXX, XXXX, LA XXXX Previous Address : - XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX : - XXXX XXXX XXXX, XXXX, LA XXXX Name : - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXXXXXX Name : - XXXX, XXXX, XXXX XXXX : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX  - XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged 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 non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
I sent National Credit Adjusters , LLC written correspondence on XX/XX/XXXX, requesting debt validation for an account appearing on my credit reports by them for XXXX. My FICO reports show the debt under a collection for National Credit Adjusters , LLC with an assignment date of XX/XX/XXXX to XXXX, XXXX  and XXXX. It lists the original balance as {$2100.00} and a current balance of {$2100.00}. This debt is not listed on my credit reports by XXXX, only listed as a collection account for National Credit Adjusters LLC. In my validation letter to National Credit Adjusters, I requested a copy of the assignment contract for debt, an agreement / contract signed by me and a record of all payment history by me. National Credit Adjusters LLC responded to my concern via letter on XX/XX/XXXX, and asked me to provide specific information and the basis for my dispute. I responded back to National Credit Adjusters LLC on XX/XX/XXXX, to inform them that I was not familiar with the debt and to provide me with the assignment contract for the debt, the signed agreement/ contract and all payment history by me. I received a second response from National Credit Adjusters , LLC, dated XX/XX/XXXX, with a copy of a Line of credit disclosure dated XX/XX/XXXX indicating an approved credit line of {$850.00} with first payment of {$75.00} due XX/XX/XXXX and APR of 279.40 %. Their attachments also included other disclosures and notices that I will attach to this. I received a 3rd letter from National Credit Adjusters LLC dated XX/XX/XXXX, asking me again for specific information and the basis for my dispute. I have not written to them again because I have asked them via written document on XX/XX/XXXX and XX/XX/XXXX for the assignment contract of debt, all payment history and a signed contract by me. At this point, I am not certain of this debt since the only date I am seeing is in XXXX and is 7 years old without any payment data. I have not received an assignment of debt contract or anything relating to payment history. The original balance reported to the credit bureaus by National Credit Adjustment LLC is for {$2100.00}. the documents sent to me dated in XXXX indicate an original balance of {$850.00}. I need payment history to confirm amounts, and I need a copy of the bill of sale for assignment of this account to National Credit Adjusters LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
XX/XX/XXXX my husband filed mitigation, due to hospitalization I had due to XXXX XX/XX/XXXX. We weren't behind on mortgage. But struggling to lead up to XXXX. Freedom said we qualified for covid 19 recovery standalone partial claim. Decision letter was sent XXXXApproved loan was sent out XX/XX/XXXX. To our home we weren't to happy with mitigation. Freedom assured us that's all we qualified for, even with income change. A notary was sent to our home soon after documents arrived said Freedom Mortgage sent him. We notified documents notary took documents. We never received any confirmation about documents til mid XX/XX/XXXX. Docs were dated XX/XX/XXXX notorized XXXX, rec XXXXdates didn't seem correct. In XX/XX/XXXX. I filed bankrupt due to prior owner and realtor filing foreclosure on home date was set for XX/XX/XXXX. In mean while Freedom was sending trustee and my attorney proof of claim letters dated XX/XX/XXXX. Stating no payments were made since bankruptcy. Said we were XXXX in arrears. We had had payment change due to escrow. Freedom sent a proof of claim for XXXX for money loaned. Freedom sent my attorney a new mitigation dated XX/XX/XXXX. With no answer to last mitigation. And nothing paid on our end. Just a bunch of late notices sent to trustee and lawyer. Freedom told my lawyer that they will be sending a new mitigation offer. XX/XX/XXXX it appears to me that freedom is making it seem like I'm filing XXXX on them for missed payments. That's not the case we filled mitigation XX/XX/XXXX XXXX XXXX. If that was the case we should of never signed loan and money sent out. To freedom to help us out instead they turned it around and used my situation for personal gain. And refuse to give us any kind of clarity. It's been. We yet to figure what happened to money from last mitigation, and I feel next offer sent to attorney is going to be worse than the last. And somehow turn it around on us. Like they been doing. I don't feel it's right they are going to attorney and trustee at all. Something's not right. It's like some one is calling shots behind the scenes. Just by the way things are being handled. And the way loans are written up. And certain papers that seem to follow. With loans. I don't think we're being treated Farley at all. And money just seems to be disappearing. This is not our first encounter with Freedom. This round they were aggressive. I hope to clear this up before freedom tries foreclosure on us. And it's nothing we done reached out for help in time of need. I enclosed documents. If in need of more or not clear please reach out. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, TX XXXX XXXX : - XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX - XXXX XXXX Name : - XXXX XXXX XXXX XXXX : - XXXX XXXX XXXX XXXXIncorrect Previous Address : - XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX  - XXXX XXXX  - XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX Listed below are the Inquiries that are being challenged 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 non-monetary relief
Consumer complaint received 2025-10-15 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: FL

Complaint narrative:
I am writing to formally request a review and investigation of my credit report regarding a late payment entry that I believe is inaccurate. Upon reviewing my credit report, I noticed that there is still an indication of a late payment which I believe does not reflect the actual situation. 

I respectfully request that an investigation be conducted into this matter. If the creditor does not have sufficient evidence to support the claim of a late payment, I kindly request that my credit file be updated to reflect accurate and truthful reporting. 

As a consumer, I am entitled to accurate information on my credit report, and I expect that any discrepancies or errors will be resolved promptly. 

Account number XXXX Account Name XXXX XXXX XXXX Sincerely, 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 non-monetary relief
Consumer complaint received 2025-10-15 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: FL

Complaint narrative:
I am writing to formally request a review and investigation of my credit report regarding a late payment entry that I believe is inaccurate. Upon reviewing my credit report, I noticed that there is still an indication of a late payment which I believe does not reflect the actual situation. 

I respectfully request that an investigation be conducted into this matter. If the creditor does not have sufficient evidence to support the claim of a late payment, I kindly request that my credit file be updated to reflect accurate and truthful reporting. 

As a consumer, I am entitled to accurate information on my credit report, and I expect that any discrepancies or errors will be resolved promptly. 

Account number XXXX Account Name XXXX XXXX XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: Paypal Holdings, Inc
State: MO

Complaint narrative:
Today I was just notified twice of my XXXX XXXX payments. I then provided Paypal my ID and it doesn't let me do anything. I demand them send me XXXX different checks for XXXX. I've been waiting on those funds for a while and they're not going to rip it away from me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: FL

Complaint narrative:
This follow-up pertains to a dispute I filed under FCRA 611 ( 15 U.S.C. 1681i ) concerning multiple inaccuracies currently reflected on my credit report. Despite submitting documentation clearly supporting my claims, the credit bureaus have failed to update the disputed information or provide sufficient details about the reinvestigation process. Specifically, there are inaccurate addresses still being reported XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX neither of which are associated with my current or previous residences. Additionally, the account with XXXX XXXX XXXX is being reported as late and closed, yet the payment history is not accurately reflected, and no evidence of delinquency has been provided. Furthermore, accounts with XXXX XXXX XXXX, XXXX XXXX, and XXXX are being reported as charge-offs, but the balances are either inaccurate or unverifiable, particularly the XXXX account, which shows no balance at all. I provided the necessary information to support these corrections, but no meaningful update or reinvestigation results have been shared. These reporting errors continue to harm my credit profile, and the lack of transparency in the reinvestigation process is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: Leafy Financial, LLC
State: TX

Complaint narrative:
I am extremely disappointed and frustrated to find negative items in my credit profile. It is simply unacceptable and outrageous that such baseless claims have been reported against me. I demand that you immediately remove any derogatory information about me from your records! These allegations against me are completely false, and I have yet to receive any substantial evidence to support them. Your report contains numerous deviations from mandatory reporting standards, which means that the information in it can not be accurate and complete. I am challenging you to provide me with documented proof that the information you have reported is accurate and in compliance with all the relevant regulations. According to 15 U.S.C 1681e and 12 CFR Part 1022 ( Regulation V ), it is your responsibility to furnish accurate and truthful information about me. You have also failed to conduct a reasonable investigation of my disputes. Any mistakes in reporting can seriously impact my reputation and financial standing, and I demand that you take this matter seriously. 

XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I am writing to dispute XXXX XXXX in collecting {$91.00} USD. XXXX wrongfully charged me an early termination fee to my account. Back in XXXX of 2024, I signed up for XXXX XXXX. After four separate appointments, they were unable to get the internet to work in my residence. A tech who came out to my house even recommended I switch providers as XXXX was having numerous issues in my area. I cancelled my service and switched to another provider. XXXX was unable, at any point in time, to provide me with internet service. Despite this, they still charged me an early termination fee. I disputed the charge through XXXXXXXX XXXX and they sided with me and refunded the money. I will attach proof of that dispute. 

Even though XXXX Bank founded my dispute to be valid, XXXX XXXX still hired a collections agency to collect on a fraudulent debt. Credit Collections Services XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, is the company who has been trying to collect on this fraudulent debt. I have attempted to dispute the account with them, and submitted documentation, but I never received a response. They have now reported this fraudulent debt to the credit bureaus, affecting my credit score for no legitimate reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation