vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
Since XX/XX/year>, I have been trying to correct serious identity errors on my Equifax credit file. The information listed under my profile contains an incorrect name, incorrect date of birth, and incorrect Social Security Number. These errors make it impossible for me to verify my identity or apply for essential XXXX XXXX 

To fix this, I sent two certified-mail dispute letters to Equifax with all required documents proving my identity and explaining the errors.

My first dispute was sent to : Equifax Information Services LLC, XXXX XXXX XXXX, XXXX, GA XXXX XXXX confirmed delivery on XX/XX/year>. 

My second dispute was sent to : Equifax Information Services, XXXX XXXX XXXX, XXXX, GA XXXX XXXX confirmed delivery on XX/XX/year>. 

Despite receiving both certified letters, Equifax has not acknowledged my disputes, has not initiated any investigation, and has not contacted me at all. It has been over four months with XXXX response, which violates the FCRA requirement that an investigation must be started and completed within 30 days. 

This situation is causing severe and urgent hardship. I am currently enrolled in a XXXX XXXX and can not apply for my student loan because Equifax has my identity information wrong. I have no access to funds, and I am struggling to afford basic necessities. I have done everything the law requires, yet Equifax has ignored my attempts completely. It feels as if my letters were sent into a void. 

I am urgently requesting that the CFPB require Equifax to : 1. Immediately open and process my identity dispute.

2. Provide written confirmation that the investigation has been initiated.

3. Correct the inaccurate personal information ( name, date of birth, SSN ) on my file as soon as possible.

4. Provide documentation showing how the corrected information was verified.

I have attached copies of both certified letters, proof of delivery, and the documents I previously submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Over the last 5 years, I have repeatedly asked Portfolio Recovery Associates for the PURCHASE Agreement and the original agreement with my WET SIGNATURE many times with XXXX response They are also in violation of FEDERAL law : 15 U.S code 1692 ( G ) and FDCPA 15 U.S Code 1692.

Lastly they are also NOT registered to business in my state of Michigan.

Therefore my collection account must be removed from ALL credit bureaus per Federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: IL

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute.

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

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 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
JEFFERSNCP is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSNCP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PENNYMAC LOAN SERVICES, LLC.
State: AL

Complaint narrative:
Pretext : I NEVER sought a mortgage from this terrible company, Pennymac. They purchased my loan from the originator. Also, I originally submitted this complaint with the CFPB a month ago. 

On or near XX/XX/XXXX I received information that suggested that my income would be reduced and placed an inquiry to the company about relief options. The person I spoke with said that I didn't qualify for a loan modification because my mortgage was current and in good standing. He said that I would need to intentionally NOT pay the XXXX payment in order to begin the process. 

So in XXXX I did not receive a payment. The company immediately placed my loan into " modification '' status, even though I had not committed to the modification nor knew the revised terms. 

During this time their website would NOT allow me to make a payment on my mortgage. 

After submitting all of the requested information well before the XXXX XXXX deadline, including the ONLY application it provided ( the attached 6-page application ), the company kept insisting that my application was incomplete and that I needed to submit " pages 17 and 18 with signatures. '' After explaining multiple times that the application they provided me ended at page 6 and to please send me the application they are referencing, they never did.

Meanwhile, they still never disclosed specific modification options for me to properly discern whether or not t dealing with their incompetence was even worth the effort and hassle. 

On XX/XX/XXXX, I informed the company that due to their incompetence I no longer was interested in modification and to cancel my pending application. 

On XX/XX/XXXX, the company filed a derogatory report with the credit bureau, even though I was not able to make payments online and even filed a partial payment by phone with one of the reps I spoke with during the protracted application process.

Since then I have made my payments and supplemented my escrow account. In spite of that, along with a prior complaint filed with my state attorney general for erroneous late charges they attempted to apply for bi-monthly payments that they later had to refund, they have now resorted to resuming late charges and have not lifted the derogatory report.

My mortgage is being paid on time and in full. It is now interfering with my ability to secure new financing for personal and business matters. I am suffering punitive damages as a result of their incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have a payment installment plan with Comenity bank for an item I purchased from XXXX XXXX. I was late on my payment a couple times recently and Comenity bank has illegally contacted both my mother and my father on separate occasions in violation of the Fair Debt Collections Practices Act, attempting to locate me so I can pay. I am a XXXX XXXX XXXX grown man and my parents have never had anything to do with this loan. I do not even understand where theyre getting my parents phone numbers from. Not to mention the fact that my payment is barely 2 weeks late. It seems awfully predatory to hunt down family members that live in different states in relation to a loan that has nothing to do with anyone but myself, and its only 2 weeks or so past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the XXXX  data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX  Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$220.00} Account name XXXX XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$970.00} Account name XXXX XXXX XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$1200.00} XXXX XXXX XXXX Account number XXXX Account type Medical Date opened XX/XX/XXXX Balance {$960.00}

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: TX

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

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 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/XXXX : I contacted Chase regarding issues with my account. Chase restricted my account following fraud involving my mother, whose money was deposited into my account and then transferred to hers without my authorization. I informed them I made no purchases or transactions. At that point, I could not access my account. I also filed a police report that night. I spoke with 11 different representatives. 

XX/XX/XXXX : I visited a Chase branch regarding a paycheck deposit. The representative informed me that the check would normally be returned because my account was restricted, and they instructed me to go through HR to stop it. I went to HR, and HR sent the paycheck. HR informed me that if the check were sent back due to the restricted account, it would be returned on Tuesday or Wednesday. 

XX/XX/XXXX : My legitimate paycheck was deposited into the restricted account, despite the account already being negative. I was unaware of this transaction. 

XX/XX/XXXX : I spoke with 2 Chase representatives, requested a hardship review, and was instructed to call before visiting the bank to withdraw the money. I called as instructed and was informed they had just opened the claim that day. The funds had not been deposited and were sent back because it was a restricted account. I received documentation from the Thursday claim showing the fraudulent checks that had been deposited into my account without my authorization. 

XX/XX/XXXX : I contacted Human Resources and was informed they didnt send the check back. I contacted Chase. A representative from deposits informed me that the check had already been deposited into my account on the XXXX and began asking about other charges in my mothers account, which the paycheck was not connected to. They sent me to claims to file additional claims and pushed me to close my account. During this time, I requested that my legitimate paycheck be issued as a cashiers check, but the issue remained unresolved. They refused to open a claim for the deposit. 

Impact : Because of Chases handling of this situation, my bills are not being paid. I am at risk of defaulting on rent, car payments, and upcoming bills. I have no money to pay for essential car maintenance, putting my vehicle at risk of damage. My account is now in a negative state. I have had this Chase account since XXXX, a longstanding account that I now must give up. The lack of access to my paycheck and not being able to see my account has left me less informed. Chases repeated refusals are causing significant financial and personal XXXX, showing a disregard for me as a customer. This is why I requested a hardship review and was trying to recover my funds. I had faith that they would do the right thing and return the money clearly, they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: TX

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: KY

Complaint narrative:
I sent 2 payoff checks through a third party from the equity in my home. They received and signed for them XX/XX/XXXX in XXXX, TX by XXXX XXXX. For about 2 weeks I heard nothing checks werent cashed. I would call and online chat with SoFi agents 1-2 times a week and it would just be the same thing over and over, 7-10 business days. Finally on XX/XX/XXXX, I chatted with an agent that knew how to do their job and got details and information on my situation. The situation was escalated by agents prior to speaking to the agent on XX/XX/XXXX. He informed me the checks were flagged as potential fraud so they sent the checks to a higher department in XXXX XXXX XXXX, UT for a 2nd review. I was told again 7-10 days from th time they were received there and as of today its day 10. Their concern which caused all this was that they say my name isnt on the checks but I have copies of the checks and my name is clearly on them along with the title/closing company who sent the checks. XXXX  agent I spoke with today couldnt give me any information and just said he put out a request and it would take 1-3 business days. During all this time, they keep emailing me, calling my wife, texting me trying to get the monthly payments which I am not going to give them because they have full payoff checks probably just sitting on a desk in Utah that no one is doing anything about. I tried to offer the name and number of the responsible party who wrote and sent the checks but he didnt want the information. I asked to talk to a supervisor but he wouldnt let me. I asked for the number to the higher department where my payoff checks where and he wouldnt let me have it. He also had a lot of uncertainty of if there was a department and then kept saying its not really a department. So my concern is now they have said I will be contacted by the higher department in 1-3 business days, which is the 30 days past due limit where they would report me to the credit bureau which some of the agents I spoke with in past month said they wouldnt others said they would. This has been a horrible experience and it isnt right for them to turn me into credit bureau if they do, because they are slacking on doing their jobs. I mailed payoff check to XXXX XXXX at same time as the others and it was taken care of within 3 days of mailing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: AL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts on my credit report. I have reviewed my credit report and have found discrepancies regarding the status of the accounts listed below. 

Charged-Off Accounts XXXX  Account Number : XXXX Opened : XX/XX/year> Balance : {$34000.00} Inquiries XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXXXXXX Date XXXX XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year>XXXX XXXX XXXX XXXX  Date XXXX XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX  Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year> XXXX  XXXX XXXX  Date : XX/XX/year>XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/year> XXXX Date : XX/XX/year>XXXX XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX Date : XX/XX/year>XXXX XXXX XXXX XXXX  Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX  XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year>XXXX XXXX XXXX XXXX Date : XX/XX/year>

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