vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Marlette Funding, LLC
State: VA

Complaint narrative:
This complaint concerns the unlawful collection, servicing, and credit reporting of a consumer loan by entities that have admitted in writing that they do not own the loan, can not prove entitlement to enforce it, and failed to disclose mandatory ownership and accounting information required under federal consumer financial laws. 

Despite repeated written requests for validation, ownership disclosure, and GAAP-compliant accounting, the responding entities have continued to treat this loan as collectible and reportable while failing to produce any legally sufficient proof of creditor status. 

Most critically, XXXX XXXX, XXXX provided a Chain-of-Title memorandum admitting that my loan was rapidly sold through multiple trusts and investors, yet failed to produce any assignment instruments, endorsement evidence, ownership register, or proof of entitlement to enforce.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I disputed a collection account being reported by Portfolio Recovery Associates that they claim to have purchased from XXXX XXXX XXXX. I requested verification of the debt because I do not agree with the accuracy or ownership of the account. 

The account is reported with a balance of approximately {$4900.00} and was opened in XX/XX/year>. After my dispute, the credit reporting agency marked the account as verified, but Portfolio Recovery Associates has not provided competent evidence that they legally own this debt or that they have the right to collect it. 

Specifically, Portfolio Recovery Associates has not provided a complete chain of title from the original creditor, account-level documentation showing assignment of this specific account, or any signed agreement demonstrating my liability. Reporting this account without providing proper validation is misleading and inaccurate. 

I am concerned that the investigation was not meaningful and that inaccurate or unverified information continues to be furnished to the credit reporting agencies. I am requesting that Portfolio Recovery Associates either provide full documentation validating the debt or delete the account from all consumer credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-28 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: LA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Creditor Name : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Creditor Name : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to XXXX  in XXXX to dispute these items. However, it has been more than XXXX days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within XXXX days. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within XXXX days of receiving the notice of dispute.

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 2025-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BROKER SOLUTIONS, INC.
State: TX

Complaint narrative:
In approximately XXXX or XX/XX/year>, my mortgage servicer ( New American Funding ) initiated property-preservation activity after I temporarily fell behind on payments. I contacted the property-preservation vendor immediately after receiving their notice and clearly informed them that the home was not abandoned, that a prior sale had fallen through, utilities were being restored, and I was actively maintaining the property. The vendor acknowledged this and stated they would remove the property from their list. 

I then brought the mortgage fully current, and New American Funding confirmed that the account was in good standing and that no further property-preservation activity would occur. 

Despite that, the vendor entered the property without notice or authorization after the mortgage was current and after I had confirmed that the home was occupied and maintained. During this unauthorized entry in XXXX, the vendor improperly attempted winterization. They disconnected the washing-machine supply line, placed a loose bottle cap on the line, and left the valve partially open rather than fully shut off. The connection was not secured or tested. 

This caused an ongoing leak and water damage to the upstairs laundry room and first-floor ceilings, walls, and flooring. Professional water-mitigation services became necessary, and the property became unusable for listing, renting, or occupancy. The XXXX mitigation estimate alone totals {$9300.00}, not including reconstruction. 

New American Funding later added property-preservation fees to my mortgage account ( including winterization and repair charges ), even though the loan was current at the time of vendor entry and I had not authorized any work. 

On XX/XX/year>, I sent New American Funding a formal written demand with a deadline of XX/XX/year> ( 10 business days ) requesting reimbursement and a written explanation. They did not acknowledge or respond at all, and the preservation vendor refused to provide information and referred me back to the servicer. 

I am filing this complaint because the servicers vendor entered my property without authorization after the loan was current, performed negligent work that caused significant water damage and loss of use, charged my account fees related to that work, and has failed to respond to my written demand for resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: SC

Complaint narrative:
I am filing this complaint to dispute inaccurate, incomplete, and unverifiable information currently appearing on my Equifax credit report. After carefully reviewing my report, I have identified multiple items that are being reported in violation of fair and accurate credit reporting standards. 

Charged-Off Accounts The following charged-off accounts appear to be inaccurately reported and lack complete supporting documentation : XXXX XXXX Account ending XXXX XXXX XXXX XXXX XXXX XXXX Account ending XXXX These accounts show balances and charge-off statuses that I dispute. I am requesting that Equifax verify the accuracy of these accounts or remove them if verification can not be provided. 

Unauthorized / Unrecognized Inquiries The following inquiries were not authorized by me and do not appear to have a permissible purpose : 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 I am requesting removal of these inquiries unless Equifax can provide proof of authorization. 

Late Payment Reporting The following accounts are reporting late payments that are inaccurate and not fully substantiated : XXXX Account ending XXXX XXXX XXXX XXXX XXXX Account ending XXXX XXXX XXXX XXXX XXXX Account ending XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: DE

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2025-12-28 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: OH

Complaint narrative:
I am disputing the following accounts due to inconsistencies in dates and reporting across bureaus, which indicates inaccurate or incomplete reporting. Please investigate and delete or correct if the information can not be fully verified. 

Charged-Off Accounts 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

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 2025-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RAS LaVrar, LLC
State: FL

Complaint narrative:
FORMAL FCRA REBUTTAL IDENTITY THEFT Reference Number : XXXX Account : Credit Card Account ending in XXXX ( previously ending in XXXX ) Your Name : XXXX XXXX XXXX XXXX XXXX XX/XX/year> To : Fraud Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 
I am writing in response to your correspondence regarding the above-referenced account. I formally dispute your determination. I did not open, authorize, apply for, use, or benefit from this credit card account. This account is the direct result of identity theft. Your determination appears to rely on the fact that payments were made on the account. Payments made by an identity thief do not establish authorization, ownership, or liability. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), a consumer can not be held responsible for a debt they did not authorize. Identity thieves commonly make payments to avoid detection or create a false appearance of legitimacy. Under 15 U.S.C. 1681s-2 ( b ), furnishers are required to conduct a reasonable investigation and verify actual consumer authorization. 
A determination based on payment history alone fails this legal standard. Formal Demand : I demand that XXXX XXXXXXXX XXXX XXXX. : XXXX. Reinvestigate this account as identity theft XXXX. Cease reporting this account as my obligation XXXX. Remove any negative or inaccurate credit reporting XXXX. Provide written confirmation of correction or deletion If you are unable to produce documentation proving my authorization, this account must be removed. 
Failure to correct this matter may result in complaints filed with the CFPB and State Attorney General. 
This letter serves as formal notice under federal law. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
QWR and DVR to verify status of {$3100.00} escrow surplus. On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) and their XXXX subservicers filed " Escrow Review '' which evidenced that I currently have {$3100.00} escrow surplus which XXXX has no intention to return me. 
Nobody made any payments from my escrow in XXXX - except my own payment {$1300.00} on XX/XX/XXXX and it is also evident from this " XXXX ''. 

Moreover, according to AI-generated letter dated XX/XX/XXXX XXXX XXXX XXXX intends to increase my monthly payments to {$720.00} to collect escrow payments which I already made and to generate additional profits {$1200.00} from escrow surplus in XXXX. Which will make it {$3100.00} existing surplus plus {$1200.00} projected surplus, total {$4400.00} in escrow surplus. 
Please disclose who owns the account receivable where {$3100.00} existing surplus is located. Please disclose how and why additional escrow surplus {$1200.00} was calculated and by whom. Please disclose why XXXX dba PennyMac is demanding from me additional payments for escrow for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX XXXX which I already paid twice. 
I demand a response from the human employee of the owner of the obligation who has persoanl knowledge, not from unregulated XXXX XXXX used by actual XXXX XXXX for criminal purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
For some reason, I can no longer use my credit card. I made a payment on my credit card, and after that my card was blocked. The capital one bank has placed a restriction on it without explaining the reason, and I am unable to make purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: LA

Complaint narrative:
I am submitting this complaint regarding inaccurate, incomplete, and unverifiable information being reported on my Equifax credit report. I have reviewed my report carefully and found multiple accounts, inquiries, and late payment notations that are not being reported in compliance with the Fair Credit Reporting Act ( FCRA ). I am requesting a full investigation and proper correction or deletion of the following items. 

Charged-Off Accounts XXXX Account No. XXXX Opened XX/XX/XXXX XXXX {$3600.00} XXXX Account No. XXXX Opened XX/XX/XXXX XXXX {$6600.00} XXXX Account No. XXXX Opened XX/XX/XXXX Balance {$2700.00} XXXX Account No. XXXX Opened XX/XX/XXXX Balance {$4500.00} These accounts are being reported with conflicting dates, balances, and statuses. I am disputing their accuracy, completeness, and whether they have been properly verified as required under FCRA 611. 

Inquiries XXXX XXXX XX/XX/XXXX TOWER LOAN XX/XX/XXXX I do not recall authorizing these inquiries and request verification of permissible purpose under FCRA 604. 

Late Payment Reporting XXXX  XXXX Account No. XXXX XXXX Account No. XXXX XXXX XXXX Account No. XXXX These late payment notations are being reported inaccurately and do not reflect my true payment history. Please investigate and correct or remove any unverifiable late payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: CT

Complaint narrative:
I didnt consent to the inquires contained in my FTC report, I am requesting they are removed as soon as possible as its been over a month I mailed this information to Transunion and no changes have been made to 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 2025-12-28 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: CA

Complaint narrative:
Dear Equifax, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges.

On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported. 
Account in Question : Creditor Name : XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Reported Late Payments : XX/XX/2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: Continental Finance Company, LLC
State: TX

Complaint narrative:
My information was hacked. Someone in a different state opened a credit card with. Continental Finance using my information. I have been disputing this since it showed up on my credit report in XXXX. This is a third party that contracts with banks to approve cards. The card was approved through XXXX XXXX XXXX I sent in documents proving I don't live where the card was sent to. I had to resend it because the company failed to change their address. I never received anything saying that they received it. ( I think they sent it to the fraud address ) I finally found a phone number for Continental Finance. As proof this is not my card, the automated system did not recognize my phone number or zip code. To talk to a person I had to say it was stolen. 
This was around XXXX weeks ago and I still haven't seen confirmation in writing like I asked that this is not my account. I have since filled an FTC complaint as well as a police report. All of these were submitted by email to Continental Finance. And feels unnecessary because it was a small credit limit. 
I expected a more timely resolution. To me, this company has very shady practices and I've been questioning it's legitimate since my first letter was returned.

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