vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 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:
I am filing this CFPB Complaint to report 10 separate accounts appearing on my consumer credit report which Ido not recognize as reported and which are the result of a data breach. These accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several hard inquiries and collections appearing on my consumer credit report. I demand that the aforementioned items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC.
State: AR

Complaint narrative:
Pennymac is illegally practicing dual tracking on my mortgage. Offering me hardship hopes while simultaneously I submitted my application for hardship assistance on XX/XX/2025. At that time Pennymac was supposed to have stopped the foreclosure process while my application was in review but since then more foreclosure activities have continued to occur. In XXXX the lawyer was paid twice. Im constantly getting charged for inspections when no one has been to the property until XX/XX/2025. A gentleman spoke to my brother as he was leaving the property and he took a picture of my brother and said that he represented the mortgage company and he needed to verify occupancy and that was part of the foreclosure process and he needed to contact Pennymac. He never asked who he was. The same guy showed up today XX/XX/2025 taking pictures as part of the foreclosure process. Its embarrassing to have them show up and tell personal business to uninvolved parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: CA

Complaint narrative:
On XX/XX/XXXX Paypal notified us that we were in violation and terminated our account. We were also set to receive XXXX which our donors donated through paypal giving fund which are now being reassigned. Paypal will not give us a reason how we are in violation nor a way to recoup our funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-24 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: TX

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-12-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WA

Complaint narrative:
Hello. I have updated information about an ongoing dispute with Mohela. Federal Student Aid records show repeated forbearance and repayment status changes during the period Mohela claims payments were missed, calling the accuracy of the past-due balance into question.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-24 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: SC

Complaint narrative:
Would you mind verifying the accuracy of this entry? It was done late.

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

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.

15 U.S.C 1681 section 602 A. 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 ) ( 1 ) 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.

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 2025-12-24 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: VA

Complaint narrative:
FCRA 604 ( 15 US CODE 1681B ) FCRA 611 ( 15 US CODE 16811 ) FCRA 609 ( 15 US CODE 1681G ) I am writing to formally report identity theft due to multiple data breaches and request the removal of inaccurate fraudulent negative outdated and incomplete items from EXPERIAN, EQUIFAX, TRANSUNION, XXXX XXXX XXXX XXXX XXXX XXXX XXXXS, all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), I am entitled to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT XXXX According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below : EXPERIAN EQUIFAX, TRANSUNIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: VA

Complaint narrative:
FCRA 604 ( 15 US CODE 1681B ) FCRA 611 ( 15 US CODE 16811 ) FCRA 609 ( 15 US CODE 1681G ) I am writing to formally report identity theft due to multiple data breaches and request the removal of inaccurate fraudulent negative outdated and incomplete items from EXPERIAN, EQUIFAX, TRANSUNION, XXXX XXXX XXXX XXXX XXXX XXXX XXXXS, all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), I am entitled to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT XXXX According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below : EXPERIAN EQUIFAX, TRANSUNIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-12-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I am replying to Ally 's response to my complaint. 
I am again requesting goodwill consideration of removal of one late payment. That has been paid. 
Second Ally stated that attempts were made to contact me by phone. I did not receive any phone calls or voicemails. Regarding this matter. I want documentation of times and days that phone calls were made. 
Third there remains an unsolved discrepancy regarding the payment amount.I was informed by my account that six payments are left at approximately XXXX XXXX XXXX are required however, six payments of XXXX XXXX XXXX is XXXX XXXX XXXX XXXX XXXXXXXX dollars.Not XXXX XXXX XXXX XXXX XXXX XXXX dollars.The balance reference by Ally. The math has never been explained.I am requesting a clear written breakdown.Explaining how Ally arrived at the XXXX XXXX XXXX XXXX XXXX XXXX dollar figure. 
Fourth, Allly did not address the core issue of the misapplied payment. And if that has anything to do with this high balance verses the 6 payments left I am requesting that Ally refrain from discussing unrelated older account history.And instead, please respond directly to the payment, miss application and balance discrepancy.Raised in my complaint. 
Last I want to clearly state that I have the right as a consumer to request an English-speaking representative to ensure I fully understand information related to my financial account. This right should not result in hostility, dismissal or improper treatment.And it should not detract from the substance of my dispute. All consumers have rights to ask for whatever language they speak if they don't understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: CA

Complaint narrative:
I am currently reviewing my Equifax credit report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: FL

Complaint narrative:
I deny ownership of these accounts and request their removal within 15 days pursuant to 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 explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I sent {$500.00} dollars through this company the wrong person received it and they say I cant get a refund

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Comerica
State: CA

Complaint narrative:
Received card after 6 months of waiting and when I received the card as I knew what was going to happen I was charged for a card and expedited receipt that never was expedited. Where I get my mail is date received stamp. The stamp said received on XX/XX/XXXX. I spoke with a direct Express agent on XX/XX/XXXX. who stated the ONLY way to get my XXXX payments were through the card. Even though when someone closes accounts it's automatically check written for ending balance.WILBURE STATED I COULDNT GET MY MONEY NO OTHER WAY. REASON BEING. Because they had already charged my card for over XXXX dollars and I would like to know for what? Also I recorded the deposits and they kept XXXX dollars for each deposit. Charging me to manage money I NEVER ASKED FOR. COMERICA ARE THEIVES AND I WILL BE CAMPING IN FRONT OF THE BANK untill all my money is given to me. XXXX is what's owed. And I demand that my credit report be fixed by removing a debt that belongs to my MOTHER not me. I have never been a COMERICA CARD HOLDER AND THEYVE CHARGED MY DIRECT EXPRESS CARD FOR SOMEONE ELSES ACCOUNT THIEVES. AND I PRAY THEY LOSE THIS CONTRACT after I report the THEIVERY of my XXXX payments went to an account not mine. 
SINCERELY, XXXX HOMELESS IN A TENT. AND DIRECT EXPRESS CARED MORE ABOUT STEALING PENNIES FROM ME THEN GIVING ME WHATS MINE TO OBTAIN HOUSING. THE XXXX IT FOR 6 MONTHS MADE INTEREST OFF MY MONEY THEN CHARGES XXXX ON TOP OF THAT FIR AN ACCOUNT THATS NOT MINE AND CHARGED ME FOR A CARD I NEVER WANTED. HENCE ALL THE COMPLAINTS ON CFPB AND REQUESTS FOR THE LAST 6 MONTHS AND COUNTING. I STILL FONT Have all my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Sparrow Financial, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I made a payment with Sparrow Credit Card which was due on XX/XX/XXXX for XXXX. The following morning I see there is a late fee of XXXX. I call the company and they state payments need to be placed by XXXX on day of payment due. I asked the gentleman on the phone if it is marked anywhere on the site and it is not. XXXX minutes on the phone with the gentleman and he can not get me any answers as to why the late fee can not be reversed. If the payment is due on the XXXX, and it's paid on the XXXX, and the time is not posted on the payment page, they should not lawfully be charging a late fee. Upon asking for a reversal of the late fee, they state I can not receive a late fee reversal. Please look into this matter and ensure Sparrow is not a predatory lender praying on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: PA

Complaint narrative:
I entered into a written settlement agreement with Portfolio Recovery Associates on XX/XX/year>, to resolve a credit card account for XXXX monthly payments of {$910.00} due on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>. 

I successfully made the XXXX, XXXX, and XXXX payments, which represent XXXX out of the XXXX agreed payments. The XXXX payment did not process due to an issue with the automatic payment system, which I was not aware of at the time. 

As soon as I became aware of the missed XXXX payment, I contacted Portfolio Recovery Associates to resolve the issue and requested to make the missed payment and complete the settlement as agreed. I also sent a written dispute requesting confirmation that the original settlement would be honored. 

Portfolio Recovery Associates did not respond to my dispute or provide any clarification. Instead, they declared the settlement void and are now attempting to collect a higher amount that does not reflect the agreed settlement terms. They have continued collection efforts, including sending collection letters, despite my good-faith payments and attempts to resolve the issue. 

I remain willing and able to make the missed XXXX payment to complete the settlement. I am requesting assistance to have the company honor the original written settlement agreement and stop attempting to collect an incorrect balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had lost my card after making a purchase at a store. Someone had did a fraudulent transaction using it bouncing a check of {$9000.00} into my account causing me to not receive my direct deposit to pay my bills this month from my job at the State.

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