vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Our issue started back in XX/XX/XXXX with some medical issues, we fell a month and a half behind. Upon contacting PHH they suggested a modification to get payments up-to-date. During this time they suggested I not make payments and to use the money to get caught up on other things. In XX/XX/XXXX we signed the medication agreement and was to make our first payment in XX/XX/XXXX. When I went to make this payment they said I did not return the paperwork in time. They had me reapply only this time they denied the application saying my signature was not my own. I resigned the application using my middle initial as requested yet they denied it again saying they also needed my wifes signature, even though my wifes name was NEVER on the mortgage. We both signed the agreement and had it notarized and returned, they once again said it was not on time, even though tracking information said it was received. Again they had us reapply and sign and agreement. This time they denied it because they wanted it signed with both my middle initial and my middle name spelled out. Once again we did what they asked and notarized and returned it. This time they did not accepted it because they said the notary needed to separately notorize each signature one with my middle initial and one with my full middle name. Even though the PA drivers license I used for Identification did not have both listed. They once again had us resubmitted. This time they asked for a letter from our HOA and proof of income. We verified proof of income and verified we did not live in an HOA. We were once again denied because they were missing paperwork. Yet their own rep said they had everything they needed because we in fact did not belong to an HOA. They could never tell me what paperwork was missing. We then got notice we were eligible for XXXX and according to the contract our payments were due by the first of the month. To be safe I made these payments a few days early. PHH has now terminated this contract stating the payments were not paid in the month they were due, rather they were paid early. Neither PHH nor the VA can explain why this may be. As of the call this morning from PHH my home will be foreclosed on XX/XX/XXXX. 

PHH has made it absolutely impossible for us to maintain in our home through their deceptive business practices, failure to communicate and always changing their stipulations. On Friday XX/XX/XXXX we were served by the sheriff 's office notice of foreclosure. 

This needs to be investigated as a simple XXXX  search will tell you they are doing this to hundreds of people and have hundreds of pending lawsuits. PLEASE HELP! Sincerely, XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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 reviewed my consumer report and informed your agency on [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

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 2025-06-23 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: IL

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

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX IL XXXX INQUIRIES : XXXX XXXX XXXX Date : XX/XX/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 2025-06-23 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: WA

Complaint narrative:
I am filing this complaint against TransUnion for their refusal to conduct a reasonable reinvestigation of disputed items on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires consumer reporting agencies to investigate disputed information within 30 days of receiving a consumers dispute. 
On XX/XX/year>, I mailed a dispute letter to TransUnion, disputing the inaccurate reporting of the following accounts on my credit report : XXXX XXXX  Account Number XXXX XXXX XXXX  Account Number XXXX XXXX XXXX  Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX To verify my identity, I included copies of my government-issued ID and proof of address with the dispute letter. Despite providing sufficient identification, TransUnion refused to conduct an investigation. On XX/XX/year>, I received a response from TransUnion stating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 
This response is inadequate and violates FCRA 1681i, as my dispute letter was sent directly by me, the consumer, and included proper identification to confirm my identity. TransUnions refusal to process my dispute and conduct a reasonable reinvestigation is a clear violation of my consumer rights. 
TransUnions refusal to investigate and correct these inaccuracies has caused significant harm, including potential damage to my credit score, limitations on financial opportunities, and emotional distress. The continued presence of these inaccurate accounts on my credit report undermines my creditworthiness and violates my rights under the FCRA.

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 2025-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On Monday XX/XX/XXXX and Tuesday XX/XX/XXXX, someone posing as a Capital One representative scammed me out of {$980.00} total, stating that my account had been compromised, that they were going to make singular {$0.00} transactions to verify account activity, and subsequently made two transactions, one of {$490.00} and one of {$490.00}, on subsequent days, while telling me that they would look into the account and that to confirm access, they would need my online banking login information. A claim was filed with Capital One, but they determined that the transaction was valid, despite my insistence that this was not purposeful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Smart Finance Inc dba Fishtail Financial
State: NV

Complaint narrative:
Reporting of Unvalidated Debt in Violation of FDCPA and FCRA To Whom It May Concern, I am filing this complaint against Fishtail Finance for reporting a collection account on my credit report that has not been legally validated, in violation of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( b ) ). 

Upon discovering the collection account reported by Fishtail Finance, I sent a written dispute and demand for debt validation as allowed under the FDCPA. Despite my timely request, they failed to provide any of the following : A copy of the original agreement bearing my signature ; A detailed accounting of the alleged amount owed ; Proof that Fishtail Finance has legal authority to collect on the alleged debt. 

Furthermore, despite their failure to validate the debt, Fishtail Finance continues to report this account to the credit bureaus ( XXXX XXXX, and XXXX  ), which is a violation of FCRA. Under FCRA 1681s-2 ( b ), data furnishers are required to conduct a reasonable investigation of any disputed information and must correct or delete any information found to be inaccurate or unverifiable. 

This inaccurate and unverified information is harming my credit score and creating undue hardship. Fishtail Finances conduct reflects a willful disregard of consumer rights and federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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 was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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

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 2025-06-23 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: IL

Complaint narrative:
Student loan was in a late status on my transunion and experian report. Student loan is in deferment until 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 2025-06-23 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: FL

Complaint narrative:
I reviewed my Experian credit report and discovered numerous addresses and name variations listed that are factually incorrect and not associated with me in any way. These errors are not tied to any accounts I have ever opened, authorized, or used. This issue appears to be a case of mixed file or identity confusion, which can significantly harm my creditworthiness and privacy. 

On multiple occasions, I have attempted to dispute these inaccuracies directly with Experian through their online dispute portal. Despite providing verification of my correct name and address, Experian has repeatedly verified and retained inaccurate information, including addresses in cities where I have never lived and names that are either misspelled, incomplete, or entirely incorrect. 

As of [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX ], Experian continues to report : At least 20 addresses that do not belong to me. 
Over a dozen variations of my name that I have never legally used. 

This ongoing failure to correct basic identity information violates the Fair Credit Reporting Act ( FCRA ), particularly Sections 609 ( a ), 611 ( a ), and 602 ( a ), which ensure accuracy and fairness in credit reporting. 

This is especially concerning because inaccurate personal identifiers can cause : Delays or denials in housing applications Increased risk of fraud or identity theft Incorrect association with accounts or collections that do not belong to me I am requesting a formal investigation into how these inaccuracies were verified, and I ask that Experian permanently delete all incorrect names and addresses not directly associated with a valid tradeline on 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 explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: NJ

Complaint narrative:
Im filing this complaint because TransUnion is violating the Fair Credit Reporting Act ( FCRA ) by continuing to report an account that was already removed after being found unverifiable. Now its been reinserted without any notice, without certification, and without a proper reinvestigation, which is a clear violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). That law requires the consumer to be notified within 5 business days and that the information be certified as accurate before being reinserted. None of that happened. 

The account is : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX  isnt even reporting this account, and TransUnions version doesnt match XXXX. The reporting is inconsistent across the bureaus, which tells me TransUnion is not maintaining maximum possible accuracy as required under 15 U.S.C. 1681e ( b ).

Ive submitted multiple disputes, but I never received any meaningful explanation or breakdown of how TransUnion verified this account, which violates 15 U.S.C. 1681i ( a ) ( 1 ) and 1681i ( a ) ( 6 ) ( B ) ( iii ). They are supposed to conduct a reasonable reinvestigation and describe the procedures used, and that hasnt been done.

This looks exactly like what the CFPB is already suing XXXX  for : Sham investigations Reinserting unverifiable accounts without proper notice or certification Failure to correct inaccurate information after being notified Now TransUnion is doing the same thing. Im asking the CFPB to step in and hold them accountable. 

Im demanding : Permanent deletion of the XXXX XXXX  account from my TransUnion credit report A detailed explanation of how it was verified ( as required by 15 U.S.C. 1681i ( a ) ( 7 ) ) Proof that a real reinvestigation was performed and not an automated E-OSCAR response. I do not consent to automated systems validating disputed data If this doesnt get resolved, Im prepared to take legal action under 15 U.S.C. 1681n and 1681o and continue escalating complaints to the BBB, Attorney General, and other agencies. Im tired of the runaround. I want this account removed permanently.

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 2025-06-23 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: TX

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

1681c-2 ) that you, the XXXX  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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$940.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} INQUIRIES : XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: IL

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

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX  XXXX XXXX IL XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$470.00} XXXX XXXX - Account Number : XXXXXXXX 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, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX - Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} INQUIRIES : XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
the only name that should be on my credit report is 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 2025-06-23 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I have previously disputed with XXXX XXXX and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief