vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: WHEELS FINANCIAL GROUP, LLC.
State: VA

Complaint narrative:
DEBT VALIDATION This letter is being sent to you in response to a bill that was received from 800 LOANMART/XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX  or XXXX  ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
I am writing to submit a follow-up regarding my active complaint against PennyMac Loan ServiceXXXX XXXX Despite completing an approved Special Forbearance Plan from XX/XX/XXXX through XX/XX/XXXX and making all required payments in full and on time, PennyMac is now falsely reporting my loan as being 30+ days delinquent.

Attached is a screenshot from PennyMacs platform dated XX/XX/XXXX, indicating that I am ineligible to make a one-time payment due to this alleged delinquency status ( coded DEL ). This contradicts direct communication I had with PennyMac that same day : - I spoke with Supervisor XXXX XXXX ( ext. XXXX ), who confirmed that : My account is not in foreclosure There are options available for resolving the {$24000.00} balance She would contact the Loss Mitigation Department to determine which solution fits best She apologized for the poor communication I received from prior agents It is deeply concerning that PennyMacs system still marks me as delinquent despite their own supervisor stating otherwise. This undermines my ability to access services and potentially affects my credit and eligibility for assistance.

This appears to be a clear violation of : - HUD Handbook 4000.1 which requires servicers to review borrowers for post-forbearance loss mitigation options ( such as COVID-19 Recovery Standalone Partial Claim or Advance Loan Modification ) before reporting delinquency or demanding lump-sum repayment - RESPA and CFPB servicing rules, due to inconsistent and misleading treatment of my account status I am requesting the following : 1. Immediate correction of the false delinquency status on my account 2. Written explanation of why I am being reported as 30+ days late despite forbearance compliance 3. Confirmation that I am being evaluated for all appropriate HUD/FHA loss mitigation options 4. Assurance that no negative credit reporting or foreclosure activity will proceed while this issue is unresolved Thank you for your continued assistance in holding PennyMac accountable for its servicing obligations. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Loan Number : XXXX Date : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: AR

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Equifax XXXX. XXXX XXXXXXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX. XXXX XXXX  XXXX, PA XXXX Subject : Unauthorized Credit Inquiries Due to Identity Theft Legal Dispute and Request for Removal To Whom It May Concern, I am writing to dispute several unauthorized credit inquiries that have appeared on my credit report with your agency. These inquiries were made without my knowledge, authorization, or consent, and are the result of identity theft. 

In accordance with the following laws : Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( c ) : Credit inquiries must have a permissible purpose and the consumers consent. Any inquiry made without my authorization is a direct violation of this federal law.

15 U.S. Code 1681c-2 Block of information resulting from identity theft : You are required to block and remove all information that resulted from identity theft within four ( 4 ) business days upon receiving proper documentation and proof of identity theft.

California Penal Code 530.5 and other applicable state laws : Knowingly using another persons identifying information without permission is a crime. Any credit reporting agency that continues to report fraudulent inquiries after being notified is also at risk of violating these protections. 

I demand that your agency : Immediately remove all unauthorized credit inquiries from my credit report. 

Provide a detailed listing of all entities that requested or accessed my credit report without my authorization. 

Place a fraud alert on my credit profile and consider a security freeze if applicable. 

Send me a written confirmation once these inquiries have been removed and all corrective actions have been taken. 



A copy of my government-issued ID Proof of address An identity theft affidavit ( FTC or notarized ) A copy of my police report ( if applicable ) Please investigate and resolve this matter as required under federal and state law. Failure to comply may result in further legal action or complaints filed with the Consumer Federal Trade Commission ( FTC ). 

Thank you for your prompt attention to this serious matter. 

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 explanation
Consumer complaint received 2025-07-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax XXXX. XXXX XXXXXXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX. XXXX XXXX  XXXX, PA XXXX Subject : Unauthorized Credit Inquiries Due to Identity Theft Legal Dispute and Request for Removal To Whom It May Concern, I am writing to dispute several unauthorized credit inquiries that have appeared on my credit report with your agency. These inquiries were made without my knowledge, authorization, or consent, and are the result of identity theft. 

In accordance with the following laws : Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( c ) : Credit inquiries must have a permissible purpose and the consumers consent. Any inquiry made without my authorization is a direct violation of this federal law.

15 U.S. Code 1681c-2 Block of information resulting from identity theft : You are required to block and remove all information that resulted from identity theft within four ( 4 ) business days upon receiving proper documentation and proof of identity theft.

California Penal Code 530.5 and other applicable state laws : Knowingly using another persons identifying information without permission is a crime. Any credit reporting agency that continues to report fraudulent inquiries after being notified is also at risk of violating these protections. 

I demand that your agency : Immediately remove all unauthorized credit inquiries from my credit report. 

Provide a detailed listing of all entities that requested or accessed my credit report without my authorization. 

Place a fraud alert on my credit profile and consider a security freeze if applicable. 

Send me a written confirmation once these inquiries have been removed and all corrective actions have been taken. 



A copy of my government-issued ID Proof of address An identity theft affidavit ( FTC or notarized ) A copy of my police report ( if applicable ) Please investigate and resolve this matter as required under federal and state law. Failure to comply may result in further legal action or complaints filed with the Consumer Federal Trade Commission ( FTC ). 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
I am filing this complaint to address a serious issue with my credit report. An account that does not belong to mepreviously disputed and removedhas reappeared without any justification. This account is not mine and appears to be tied to someone elses profile, which has likely resulted from mixed or mishandled information. This kind of repeated error is unacceptable. It continues to damage my credit, raises ongoing concerns about identity theft, and violates my rights as a consumer. I should not have to repeatedly dispute the same issue, especially after it was already resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX OH XXXX ACCOUNTS : XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX  XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$520.00} BANKRUPTCY - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/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 2025-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/year>2025, I sent a letter to Resurgent Capital Service, a collection agency that is not the original creditor, regarding an account saying that the total is {$610.00} I asked for a Validation of Account. I have asked for Validation of Account in the past but the company always sends me verification, which is not what I ask for and the remaining items asked for are always missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: PA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$660.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} INQUIRIES : XXXX XXXX  Date : XX/XX/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 2025-07-16 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc .

regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc .

continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have an auto loan with Ally Financial that is nearly paid off. Despite me making regular payments and staying in communication, I received a threatening repossession letter dated XX/XX/year>2025 the exact same morning I made a {$130.00} partial payment as planned. I previously informed Ally that the remaining {$130.00} would be paid on XX/XX/scrub> 2025, completing the full monthly amount, and consistent with my prior payments. 

On XX/XX/year>2025, I called Ally and told a representative that I had been receiving harassing phone calls 34 times daily, and that if it continued, I would file a complaint with regulatory agencies. I also sent an email to their corporate office the same day stating I was being harassed and disrespected by customer service agents. I received no response to that email, and no changes were made to the aggressive behavior. 

Despite my best efforts to cooperate, communicate clearly, and keep my payments on track, Ally has continued to escalate the situation. I have made payments exactly as promised, and I have documentation to support all dates and amounts. 

Their actions especially sending a repossession letter after receiving a payment demonstrate harassment, bad faith, and possible violation of consumer protection laws. 

I am requesting an immediate review and correction of their practices, a full stop to any further threats of repossession while payments are being made, and a formal investigation into Ally Financials conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Americas Car-Mart, Inc.
State: TX

Complaint narrative:
I was fraudulently induced to enter a security agreement that assigned my collateral, including future securities or Treasury interests, without full disclosure or informed consent. At no time was I made aware of the GPS tracking technology, starter disabler system, or the securitization of my consumer contract into a tradeable asset. These actions constitute a breach of fiduciary duty, concealment of material facts, and a violation of both state consumer protection statutes and federal securities law. I hereby rescind any and all assignments or waivers executed under false pretenses, and reserve all rights without prejudice under UCC 1-308

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/scrub>, 2025, I sent a letter to XXXX XXXX XXXX, a collection agency that is not the original creditor, regarding an account saying that the total is {$610.00} XXXX asked for a Validation of Account. I have asked for Validation of Account in the past but the company always sends me verification, which is not what I ask for and the remaining items asked for are always missing.

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 2025-07-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: TX

Complaint narrative:
I am submitting this complaint regarding a line of credit I received from CreditFresh, issued through XXXX XXXX XXXX. I initially borrowed {$2000.00}, and over the past year I have paid over {$1000.00} in monthly payments. Despite this, my outstanding balance remains above {$1500.00}. 
The majority of each monthly payment ( approximately {$90.00} out of {$100.00} ) has gone toward " billing cycle charges '' or fees, with only a small portion going toward the principal balance. This repayment structure was never clearly disclosed to me at the time of approval. I was informed that I was approved, but I was not given a transparent explanation of how the payment structure worked or how little would go toward the principal. 
I feel that this loan was presented in a misleading and deceptive way. The terms are extremely one-sided and create a debt trap that is very difficult to escape from, especially for borrowers in vulnerable financial situations. 
I am requesting a formal review of this loan and its terms. I would like to seek a resolution that includes cancellation of the remaining balance and/or reimbursement of excessive fees. I also believe this product should be investigated for unfair lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
In XX/XX/XXXX, an account with an original balance of {$440.00} was purchased by LVNV Funding LLC and reported as a collection account. As of XX/XX/XXXX, this account remains listed with a {$440.00} balancedespite being marked 0 % paid off and no payment activity or validation provided. 

I formally disputed this account in XX/XX/XXXX, requesting complete validation under the Fair Credit Reporting Act ( FCRA 609 and 611 ) and the Fair Debt Collection Practices Act ( FDCPA 809 ). This included a demand for the original signed contract ( wet signature ) and documentation verifying the debt 's accuracy and ownership. To date, no such documentation has been furnished by the data furnisher or LVNV Funding LLC.

The continued reporting of this unverifiable debt as verified is a direct violation of federal law. Furthermore, the account status as past due contradicts the 0 % debt balance payoff and implies misleading reporting.

I am requesting the immediate deletion of this account from my credit file due to : Lack of validation and proper documentation Inaccurate and misleading reporting Failure to comply with FCRA 609 ( a ) ( 1 ) and FDCPA 809 ( b ) If the account can not be fully verified in compliance with XXXX XXXX standards and applicable law, it must be removed from all consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief