vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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: Ocwen Financial Corporation
State: OH

Complaint narrative:
I have been going around with PHH mortgage servicing about this issue since I found out in XXXX. 

Every XXXX weeks PHH is sent {$590.00} through XXXX XXXX XXXX for my mortgage payment. They are also sent a seperate payment through bill pay of {$100.00} biweekly going towards the principal of our loan. 

I received a phone call in XXXX about my mortgage being late and when they could expect payment. I told them it shouldn't be late, I have automatic payments and would look into it. I have sent them messages through their website every month since XXXX about the same issue ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and by email on XX/XX/XXXX ) Since XXXX they have been missapplying the payments sent to them and not crediting my account properly. They keep applying to the principal and not the payment. Every time I go on the website to check it, my mortgage payment is late. I have not had a problem with this since 2020. I don't know what happened in XXXX to have this be a continuous issue. 

I instructed them that my XX/XX/XXXX payment of {$590.00} should have completed my XXXX payment and my payment of {$590.00} on XX/XX/XXXX should be going to XXXX payment and my payment coming up on XX/XX/XXXX should complete my XXXX and so on. My mortgage should NEVER show late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
According to 15 USC 1681, I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I have hard inquiries from a XXXX XXXX XXXX on my credit bureau reports, and it's coming back as updated and verified without a proper investigation. The company failed to send me any of the information I requested, even with my other complaint ; they never sent verification of allowance to run my credit, the ORIGINAL Contract bearing my signature & explanation of how this happened. 

THE CFPB IS LYING IN ALL COMPLAINTS. I REQUESTED INFORMATION FROM THE COMPANY. THE CFPB MARKED IT AS I DID NOT WHEN I SELECTED I DID. I asked for the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

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 2025-10-22 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: AR

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 non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Obligo Inc.
State: MA

Complaint narrative:
b'ON XXXX  OBLIGO PROCESSED A PAYMENT OF ($XXXX) FROM MY ACCOUNT FOR  FRAUDULENT/SCAM PROPERTY LOCATED AT XXXX XXXX XXXX XXXX XXXX NY, XXXX. THE PROPERTY IS A CODEMNED/ABANDOMED HOUSE WHICH IS DEEMED "UNFIT FOR HUMAN OCCUPANCY"  BY THE LOCAL CITY GOVERNMENTS CODE ENFORCEMENT OFFICE.  I IMMEDIATELY NOTIFIED OBLIGO OF THIS INFORMATION, OF WHICH THEY HAVE CONTINUOUSLY DECLINED TO REFUND MY MONIES AFTER BEING PROVIDED VERIFICATION OF THE FRAUD AND THAT THE TRANSACTION WAS FRAUDULENT.'

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
I am disputing a debt being pursued by a debt collection agency/legal service related to an account allegedly originating from XXXX and XXXX to XXXX XXXX and XXXX XXXX. The collectors have sent me a notarized affidavit of sale, a redacted bill of sale, and two account statements showing activity on the account. However, these documents do not provide any proof that the account belongs to me or that I authorized any purchases. 

I have never received a signed credit agreement, application, or any documentation showing I entered into a contract for this account. The account statements do not include details of purchases or my signature, and I have no recollection of this account. I am concerned I may be a victim of identity theft or fraud. 

I have requested the debt collector to provide the fully executed credit agreement and all other documentation to verify the legitimacy of this debt, as required by law. Despite my requests, they have only provided insufficient documentation and continue to attempt to collect the debt. 

I am filing this complaint to request assistance in verifying this alleged debt and to protect myself from unlawful collection practices and potential identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My XXXX XXXX  account contains inaccuracies : -last payment date is not corresponding with equifax XXXX date opened says XX/XX/XXXX with equifax but XX/XX/XXXX with TransUnion XXXX account number is inaccurate/inconsistent across all three bureaus, Experian states its XXXXXXXX XXXX XXXX TransUnion states its XXXXXXXX XXXX XXXX XXXX XXXX and Equifax states its XXXXXXXX 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 explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report shows late payment entries that I believe are incorrect. According to 15 USC 1681e ( b ) and 15 USC 1681i, all information reported must be accurate, complete, and capable of verification. I am requesting a verification of these entries, and if they can not be substantiated, I ask that they be corrected or deleted from my 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 explanation
Consumer complaint received 2025-10-22 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: GA

Complaint narrative:
Respect legal requirements by deleting disputed accounts on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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:
b'Be sure to eliminate disputed accounts quickly, per legal rules.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MD

Complaint narrative:
I am submitting this complaint regarding the mishandling of my XXXX XXXX XXXX that was originally serviced by XXXX XXXX XXXX XXXX XXXX, XXXX ) on behalf of the XXXX XXXX XXXX XXXXXXXX XXXX, and later transferred to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX after being assigned to the U.S. Department of Education in XX/XX/XXXX. 

After the assignment, I received no communication from XXXX notifying me that my loan had entered repayment in XX/XX/XXXX, nor that it had subsequently been transferred to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) in XX/XX/XXXX. 
During this entire period, my email address and phone number remained current and unchanged XXXX had this information and failed to use it. 

Issues with XXXX Response to My Prior CFPB Complaint : I previously submitted a CFPB complaint on this same issue, to which XXXX responded on XX/XX/XXXX. Their response raised several serious concerns : Incorrect Borrower Name Used : Their letter referred to XXXX XXXX instead of my name ( XXXX XXXX ). This is not a minor typo it shows that XXXX either confused my case with another borrowers or used a template without reviewing my file. That error undermines the credibility and accuracy of their response and raises questions about how securely and accurately borrower records are maintained. 

Failure to Maintain and Use Correct Contact Information : XXXX claimed that communication was my responsibility after assignment, but they were the active servicer for several months ( XX/XX/XXXX to XX/XX/XXXX ) and had my valid contact information the entire time. 
Despite this, they made no attempt to email, call, or text me about the loan entering repayment or becoming delinquent. Any competent loan servicer would have reached out through multiple channels before declaring a borrower delinquent. 

No Notification of Loan Status Changes : I was not notified when my loan entered repayment in XX/XX/XXXX, became delinquent, or was transferred to XXXX in XX/XX/XXXX. I only learned of these developments long after the fact, when collection efforts had already begun. 

Inadequate and Dismissive Response : Their prior CFPB response did not address these communication failures and appeared to be copied from a form letter. It failed to explain why my email and phone number were never used, and it ignored my specific concerns about notice failures and data accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report shows late payment entries that I believe are incorrect. According to 15 USC 1681e ( b ) and 15 USC 1681i, all information reported must be accurate, complete, and capable of verification. I am requesting a verification of these entries, and if they can not be substantiated, I ask that they be corrected or deleted from my 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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2025-10-22 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: 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 2025-10-22 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: IL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-10-22 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: NJ

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-10-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DC

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 2025-10-22 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: WA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I am writing to formally request that my dispute be reopened regarding a fraudulent incident that occurred on XX/XX/XXXX. I am providing detailed evidence that shows how I was scammed by individuals impersonating Chime employees using Chimes official phone number, alerts, and survey links. 

Summary of Events XXXX XXXX, XX/XX/XXXX : I received a missed call from Chimes official phone number. 

XXXX XXXX  : I received a follow-up call from the same number and spoke with a live person claiming to be a Chime agent for approximately XXXX minutes and XXXX seconds. 

During this call, I was told that I would be contacted by the Chime XXXX Department to secure my account. 

XXXX XXXX  : I received two official-looking Chime surveys while I was still on the phone with the supposed XXXX  Department XXXX 

The caller then instructed me to set up a new Chime profile for my accounts safety. Following their directions, I unknowingly transferred {$5000.00} at XXXX XXXX. 


These scammers convincingly used Chimes own number and alerts to deceive me. I truly believed I was speaking with legitimate Chime employees. 

Transaction in Question Recipient : XXXX XXXX Amount : {$5000.00} Date/Time : XX/XX/XXXX, XXXX XXXX  I have no relationship with this individual and never voluntarily authorized this transaction

Company response to consumer: Closed with explanation