vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the debt that your company has reported or attempted to collect. The account information is as follows : Collection Agency : _______________Eastern Account System ___________ Original Creditor : ________XXXX__________________ Account Number : __________________________ Amount Reported : __________________ $ XXXX I am disputing this debt because it is inaccurate/ not mine / already paid / unverifiable ( choose XXXX or explain briefly ). Under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am requesting : XXXX. Validation of the debt, including : The original contract or agreement bearing my signature A complete payment history Proof you have the legal right to collect this debt Verification of the amount claimed XXXX. Immediate cessation of all collection activity until full validation is provided. 

If you can not provide complete and accurate validation, you are required to delete this account from your records and from any credit reporting agencies to which it has been reported. 

Please send all correspondence in writing to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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 SUFFERING SERIOUSLY AS A VICTIM OF IDENTITY THEFT. ALL THIS HAS NOTHING TO DO WITH ME, AND YET I AM THE VICTIM OF THIS ONGOING FRAUD. DAILY, ITS DRAINS MY MENTAL AND EMOTIONAL STRENGTH. THE FEAR, STRESS AND EXHAUSTING HAVE BECOME INTOLERABLE. I AM HELPLESS, AND THIS ORDEAL IS CONSUMING EVERY PART OF MY LIFE. I IMPLORE YOU PLEASE, IN THE INTEREST OF MY WELL BEING BLOCK AND REMOVE THESE SCAM ITEMS INSTANTLY. THE FOLLOWING QUESTION WERE INCLUDED IN THIS FRAUD : XXXX INQUIRED ON XX/XX/year>. XXXX XXXX XXXX INQUIRED ON XX/XX/year>. XXXX XXXX XXXX INQUIRED ON XX/XX/year>. XXXX XXXX XXXX INQUIRED ON XX/XX/year> 2025

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 2025-12-03 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I requested lien-release records from my mortgage servicer, PHH Mortgage . Shortly afterward, I received an email impersonating MERS/CoreLogic with a suspicious link/attachment. I contacted XXXX XXXX XXXX XXXX, and they confirmed that they did receive a legitimate internal message from PHH Mortgage Family referencing the correct XXXX number ( XXXX ) and case number ( XXXX ), but they also confirmed that they did NOT send the email that I received. The email I received was fraudulent, timestamped around XXXX XXXXXXXX, and appeared designed to compromise my device or intercept my lien-release request. This occurred during an active bankruptcy and while unresolved insurance claims and title disputes were pending. The phishing attempt appears to be a targeted effort to interfere with my mortgage records, lien release, or loan information. This raises concerns of mortgage-servicing misconduct, failure to safeguard consumer information, and potential violations of RESPA, GLBA Safeguards Rule, and federal anti-fraud statutes. I am requesting that CFPB investigate PHHs communication security, the handling of my lien-release request, and the fraudulent communication I received.

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 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
Debt companies keep calling me for XXXX XXXX. I am not XXXX XXXX. Ive had this cellular number for XXXX + years, and why Debt collectors call me is unknown. I tell them to stop, and the calls start again. 
XXXX XXXX has called many times. They left a message once : XXXX XXXX, call XXXX. 
This is aggravating, I need it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Comenity Capital Bank abruptly closed multiple of my newly opened store credit card accounts ( XXXX XXXX, Saks Fifth Avenue, and Carters ) within days of opening them, without providing clear or specific reasons. All accounts were closed at the same time and labeled as previous negative experience, even though I had no late payments, no delinquencies, and no issues with these accounts. I believe Comenity acted unfairly and without proper explanation. I was never notified of any problem, and all accounts were in good standing. Closing multiple accounts at once without justification, and then reporting them as credit grantor closed account, is damaging, misleading, and negatively affects my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital 1 acct ending XXXX XXXXXXXX XXXX  acct ending XXXX XXXX XXXX  acct ending XXXX ALL INACCURATE INFO, NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX Equifax XXXX XXXX credit report on XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: PA

Complaint narrative:
Subject : Complaint Against Student Loan Servicer for Misconduct XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Servicer Name : Mohela Loan Account Number : XXXX Type of Loan : Federal Loan Nature of complaint : x Incorrect loan balance reported x Misapplied or missing payments x Wrongful denial of repayment plan ( e.g., Income-Driven Repayment ) x Failure to process loan forgiveness or discharge requests x Inaccurate reporting to credit bureaus x Unlawful collection practices Other : Unable to provide me with all the loan information and the promissory notes that I signed. Also not able to provide me with the information of the selling of my loan that I authorized of such. 

" I am filing this complaint against MOHELA due to errors in my student loan account. On XX/XX/scrub>XXXX, I noticed that my loan balance was incorrectly reported as XXXX, despite some payments that I was able to make. Additionally, payments made to qualify for the teacher loan forgiveness are not reflected at all and they have failed to correct the issue. Furthermore, my request for an Income-Driven Repayment Plan was never followed by them and when I have attempted to call and talk to someone, I always get that someone will be in touch with me. To this day, I have yet to be able to ever talk to someone.I can not obtain any documentation from them or specifics from the website. I can only get the loan amount. I am having a hard time even obtaining the loan ( s ) accounts. 
Despite all my attempts to be able to get the amounts that I have paid applied to my loan and figure out my qualification for the loan forgiveness as an educator it has not been successful. I received a letter from the department of education stating that I needed to pay the loan in full amount, while I am supposed to be part of the teacher loan forgiveness program, on top of missing the payments that I had made towards such program. I request that MOHELA apply all my payments accurately and I request in writing that I have completed all the requirements for the loan forgiveness plan and my loans be fully discharged. 

Best regards, sincerely XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-12-03 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-03 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: NE

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
The Company is Fay Servicing, who has had CFPB violations before. We sent on XX/XX/XXXX copy of death certificate of mortgage holder, marriage cert. for spouse and copy of will to prove spouse is sole beneficiary. We are past our closing date of XXXX & buyers have movers scheduled. All Fay Servicing would say to us XXXX and XXXX, is they received our request XX/XX/XXXX ( though our original request was sent XX/XX/XXXX & they never reached out to notify us of documents they needed so our request could be processed, but when we called on it XX/XX/XXXX, allowing for their 3-5 day processing time, is when they provided us with what documents they needed and we sent immediately at XXXXXXXX XXXX on XX/XX/XXXX ). When we called XXXX, XXXX, spoke to XXXX, she would only say 3-5 days & that they still needed the docs we sent on XX/XX/XXXX, so we resent them. Asked for a supervisor & she refused to let us speak with one. Called XXXX spoke to XXXX who confirmed our request was received XX/XX/XXXX but would not confirm they had the docs we sent XX/XX/XXXX & resent XXXX, still refuse to let us speak to a supervisor and like a recording, stated 3-5 days, not caring at all that we started this on XX/XX/XXXX and it is the only item needed so we can close and our close date was supposed to be yesterday, XXXX. Today we called 6 times and were hung up on all 6 times. Briefly spoke to a few different people, but each time was hung up on, for a total of 6 times in a row. I sent another email and stated this is day 5 and my next call was to file a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
I request an investigation into the following accounts and inquiries listed on my credit report, as they may contain errors under the Fair Credit Reporting Act ( FCRA ). Please find the details below : Charged Off Accounts No charged off accounts listed for TU Inquiries XXXX XXXX  : Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation