vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 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: AZ

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I demand this company to delete this account from all 3 credit reporting agencies or I will have no choice but to forward this to my litigation attorney. This account I had to business with this company, as this was sold from another company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: OH

Complaint narrative:
I had an inquiry from XXXX which took my credit score down XXXX points and with a balance for over {$4000.00}. When I called the company they had no records of any account. I tried disputing through credit report and they told me to try you all because I couldn't get any information from the company.

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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
KINDLY HELP ME. THERE IS AN ITEM OF INFORMATION BEING REPORTED WITHIN MY CREDIT REPORT THAT IS INCORRECT. THIS ITEM OF INFORMATION HAS PLACED ME IN THE WRONG LIGHT WITH NEW CREDITORS WHO ARE REVIEWING MY CREDIT APPLICATION AND NOTICING CONTRADICTIONS IN THE DATA REPORTED IN MY CREDIT REPORT. THEREFORE, I AM ASKING THAT YOU CORRECT THIS ITEM OF INFORMATION AND REMOVE THE INCORRECT INFORMATION.

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 2025-09-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
XXXX XXXX {$3200.00} XXXX XXXX. {$1000.00} XXXX. {$3100.00} Date of loan Approval : XX/XX/year> XXXX payments of {$260.00} made. 

Last payment was made on : XX/XX/year> This company is charging an extremely high interest rate, like a Loan Shark!!! 

Please help me XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Hello I opened a Robinhood account and funded it with {$10000.00} on XX/XX/XXXX, to try and take part in the XXXX XXXX. On XX/XX/XXXX I was notified that for some reason my account was being closed and my funds would be returned to my in 30 days. I've tried contacting Robinhood support via their app and have sent numerous emails to try and see when my funds will be released to me. Today is XX/XX/year> and my funds still have not been returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
Allegations : XXXX. Invalid Assignment of Mortgage Note and Deed of Trust PennyMac has failed to produce a valid chain of title or properly executed assignment documents. This raises serious questions under California Civil Code Section 2932.5 and federal standing requirements. 
XXXX. Dual Tracking Violations PennyMac pursued foreclosure while simultaneously engaging in loss mitigation discussions, violating California Civil Code Section 2923.6 and RESPA 's dual tracking prohibitions under C.F.R. Section 1024.41 ( g ). 
XXXX. Robo-Signing and Forged Documents Recorded documents contain signatures from unknown robo-signers and raise concerns of forgery and fraud, violating California Penal Code Section 115 and undermining the integrity of the foreclosure process. 
XXXX. Failure to Honor Valid Loan Modification Agreement A previously negotiated and executed loan modification agreement was ignored, violating contractual obligations and RESPA 's servicing standards under 12 C.F.R. Section 1024.38 5. Failure to Act on Good Faith Settlement Offer PennyMac refused to engage meaningfully with a documented settlement offer made in good faith, violating the spirit of California Civil Code Section 2924.18 and federal guidelines encouraging resolution outside foreclosure. 
XXXX. Fraud by Misrepresentation of Mortgage and Bankruptcy Plan Terms PennyMac misrepresented the terms of the mortgage and the confirmed bankruptcy plan, violating 18 U.S.C. Section 157 ( Bankruptcy Fraud ) and 15 U.S.C. Section 1692e ( False Representations ) XXXX Misapplications of Payments in Bankruptcy Plan Payments made under the confirmed plan were misapplied or not credited properly, violating 11 U.S.C Section 1327 and 12 C.F.R Section 1026.36 ( c ) XXXX. Violations of Bankruptcy Protection and Debt Collection Laws PennyMac 's conduct constitutes unlawful debt collection under the FDCPA ( 15 U.S.C. Section 1692c and Section 1692d ) and violates the protections afforded under the Bankruptcy Code.

These allegations are supported with the attached documents and relevant information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I submitted a timely Validation of Debt request to PORTFOLIO RECOVERY ASSOCIATES regarding Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the alleged balance of {$2200.00}, {$1900.00}, {$2500.00} under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In that request, I specifically asked for proof of ownership of the alleged debt, a valid purchase agreement for the portfolio containing my account, a complete and unbroken chain of title from the original creditor to the debt collector, and a copy of their state bond or license required to collect in my state. Despite this request, PORTFOLIO RECOVERY ASSOCIATES failed to provide any of these critical documents. They continue to report negative information to the credit bureaus and attempt to collect on a debt they can not legally prove they own or are authorized to collect. By furnishing derogatory credit information without proof of ownership or proper documentation, they are in violation of 15 U.S.C. 1692e of the FDCPA and may also be violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This entry is inconsistent with my record of prompt payments and seems inaccurate. Kindly review and delete it from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: NV

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

1681c2 ) that you, the TransUnion credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$210.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$5500.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-22 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: Affirm Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/XXXX I called true accord debt collector as well as affirm to try and pay off XXXX charged off loans. Both companies told me they can not take payment because neither companies have the loan. But true accord debt says that affirms had the loan. And affirm says that true accord has the debt. I have it in email and phone call recording of them saying they cant accept payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/year>2025 my entire account was drawn to XXXX by PNC bank. I had approximately {$8000.00} in available funds with a {$3000.00} +/- check on hold that would not be available until Tuesday XX/XX/XXXX. This transaction was from a settlement company from selling the land that my XXXX owned and I was closing out. 

I got a " low cash alarm '' at around XXXX on the XXXX and a declined payment at a gas pump. I thought nothing was strange about this as I was traveling to new york. When I checked my balance in the morning, I was alarmed that my entire account was sitting at a {$0.00} balance. I called customer service who could not help me and they put me forward to a fraud line, the fraud line told me that there was a hold on my check but as i explained the check wasn't the entire amount that was in my account, they also could not help me and instructed me to contact a branch, I called the XXXX PA branch that day whom was the only ones in my area open and they instructed me to call customer service. I was put into a loop with no one able to answer my questions meanwhile I was left working away with {$0.00} in my account. I no longer use credit cards so this put me into an absolute bind. 

On Monday XX/XX/XXXX I called my branch as I had to work away again, and they asked that I call customer service, I explained that I am being run in circles. I sat on wait for 25 minutes and the teller told me that the individual that placed the hold was " not online '' and could not be reached. 

I am literally broke at this moment except for money I'm pulling out of my business account to help support me. I wrote checks that now can not be covered, PNC is not being helpful at all in resolving this, and it looks as if they have effectively stolen {$8000.00} from me. Please help me in recovering my money/damages as this is a very bad situation. I entrusted them with my funds and now I've been robbed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I have an auto loan with Ally Bank and have been making my payments every month. In fact I have been paying earlier that the due date and have been paying more than the required amount. When paying more than the required amount, I indicated in the payment slip that the additional funds were to be applied to the principal. I discovered that they did not do that and called them to correct it. They said they would fix it. However, I discovered via the next month 's statement that they did allocate the payment to the principal, but assigned it to the prior month which now put me in a delinquent status. Additionally, they assessed a late fee. 

I called Ally Bank once again to have this corrected, and they told me that they were submitting a case report to have it corrected. From the following month 's statement, I find that they still have me in delinquent status and have not corrected the the assignment of payments and still list me as delinquent. Meanwhile I continue to make monthly payments. 

I call once again and they now tell me that they see the issue and that I should make my monthly payment after the due date so that it is assigned correctly going forward. They also tell me that they will fix the misapplied payment to correct the delinquent issue. 

In the following month, I receive a warning from another financial institution that a negative credit report has been filed, and I call Ally Bank once again. After I explain the issue, they admit that it was their fault and will submit a case report to have it corrected. This of course does not help since my credit score has dropped XXXX points from excellent to good. I ask them to correct this immediately since I am in the process of buying some properties and my credit score is of utmost importance. If the score is not corrected soon I will lose the property financing, the purchase of the properties will fall through, and I will lose the earnest money that was put down for the purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: MS

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX Account Number : XXXX Inquiry 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 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I scheduled a {$900.00} bill payment from my Wells Fargo checking account. The payment was intended for my XXXX credit card, but I mistakenly selected XXXXXXXX XXXX Credit Cards instead. I entered my name and XXXX credit card number as the account number, and the payment showed an estimated delivery date of XX/XX/year>. 

Since I do not have any accounts with XXXX XXXX, the payment could not be properly applied. However, the funds were never returned to me. 

I immediately contacted Wells Fargo and filed a claim. After waiting XXXX business days, Wells Fargo informed me that my claim was rejected but did not provide a reason. Instead, they advised me to contact XXXX XXXX directly to locate the payment. 

On XX/XX/year>, I contacted XXXX XXXX. Their representative confirmed that since I do not have an account with them, they could not locate my payment. They suggested I contact Wells Fargo instead. 

At this point, my {$900.00} payment remains unreturned, and each bank is directing me back to the other without resolution. I am requesting assistance in recovering these funds. 

I have attached proof of the {$900.00} payment from my Wells Fargo checking account. The documentation shows the payment details, including the account number it was sent to. This account does not belong to me and does not exist at XXXX XXXX which confirms that the funds were misdirected and should be 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
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-09-22 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: NE

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

1681c2 ) that you, the Equifax credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: IL

Complaint narrative:
I am disputing multiple inaccurate and unauthorized accounts reported on my credit file by XXXX, XXXX, and Equifax. I never provided written consent for these bureaus or furnishers to obtain or share my information, as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ). My credit reports contain several derogatory accounts, collections, and charge-offs that are either inaccurate, unverifiable, or reported inconsistently across bureaus. Additionally, I have been a victim of major data breaches ( XXXX, XXXX and XXXX XXXX XXXX XXXX, which increases the likelihood of identity theft and erroneous reporting. I request that all unverifiable items be removed immediately in compliance with FCRA XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within XXXX business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with explanation