vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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: CA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 2025-07-30 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: MD

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/2025 I submitted a balance transfer from my XXXX XXXX  to pay off my Bank of America card in the amount of {$3300.00} plus a transfer fee of {$160.00}. After a week had gone by I contacted XXXX because I didnt see the balance transfer. They said it can take up to 10 days. After 10 days I called again and they said to wait til the 30 day mark. I did and finally on that third contact they asked me to confirm the account number it went to. They found out it was 1 digit off. Mind you at this point I made my first payment of {$350.00}. They filed a dispute and told me it could take XXXX days to resolve. They advised things like these always get resolved. About a week later I logged into my account and say that I had a negative balance. I contacted them again and they told me it was resolved. I asked if they needed the correct account number so they cant process the transfer- the representative said no and told me to go ahead and process it again to the right account. On XX/XX/2025 I processed the balance transfer for the same amount. The second balance transfer get processed and I see it on my Bank of America card. I log in to XXXX to make my second payment or {$350.00} on XX/XX/2025 and see my balance is now {$6300.00} ( both balance transfers or XXXX ( both fees ) $ XXXX $ XXXX ( minus both payments of {$350.00} ( {$700.00} ) ). I instantly called them and they tell me they concluded the investigation and that they had given me a provisional credit but now that it was resolved and they can verify it was sent to Bank of America they are taking the credit back. He also said the payment was processed and to wait on a letter I will be receiving and to contact Bank of America if I need more assistance. I spoke to a supervisor who told me the same thing and he said I now owe the full balance when I only received one transfer on my Bank of America account. I contacted Bank of America and provided them with the trace ID XXXX gave me and they said they cant do anything and that I have to call XXXXXXXX XXXXNow XXXX is saying the payment is processed and have provided me with the following trace ID XXXX which Bank of America is telling me is useless. I need help urgently I cant afford to pay two balance transfers.

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 monetary relief
Consumer complaint received 2025-07-30 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: LA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 non-monetary relief
Consumer complaint received 2025-07-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : FCRA 605B Violation Failure to Block Identity Theft Accounts Dear Equifax, On XX/XX/year>, I submitted a valid identity theft dispute along with all supporting documentation via mail and through the CFPB. The submission included : A notarized FTC Identity Theft Report Photo ID Proof of residency List of fraudulent accounts As of XX/XX/year>, your company has failed to block the disputed information, in clear violation of FCRA 605B, which mandates a 4-business-day blocking deadline. I also submitted a complaint through the CFPB on the same date, which remains unresolved.

Your failure to comply is unlawful and damaging to me as a consumer. I am now issuing this final demand for compliance.

Please immediately : 1. Block and permanently delete the disputed accounts 2. Provide written confirmation within 5 business days If you continue to delay, I will pursue legal remedies under the FCRA and file formal complaints with federal enforcement agencies. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: TX

Complaint narrative:
Hi I noticed unauthorized inquiries on my credit report after recently reviewing it. Also I noticed duplicate inquiries. Please remove the following items asap Inquiries : XXXX XXXX XXXX XXXX XXXX ( multiple duplicates ) XXXX  XXXX  Please remove the following collections : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-07-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi I noticed unauthorized inquiries on my credit report after recently reviewing it. Also I noticed duplicate inquiries. Please remove the following items asap Inquiries : XXXX XXXX XXXX XXXX XXXX ( multiple duplicates ) XXXX  XXXX  Please remove the following collections : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: CA

Complaint narrative:
My complaint is against experian Equifax and TransUnion. I have contacted them and let them know that I am a victim of fraud and identity theft I have brought to their attention the problem accounts that keep appearing on my credit report they do not do anything about it they Make it very difficult to remove these that are fraudulent on your credit report I honestly feel like it is done on purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: CA

Complaint narrative:
My complaint is against experian Equifax and TransUnion. I have contacted them and let them know that I am a victim of fraud and identity theft I have brought to their attention the problem accounts that keep appearing on my credit report they do not do anything about it they Make it very difficult to remove these that are fraudulent on your credit report I honestly feel like it is done on purpose

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 2025-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The following accounts were disputed with all credit bureaus. One bureau found them to be inaccurate and removed them. The others either failed to respond appropriately or returned generic, unverifiable responses. This results in inconsistent credit reporting and demonstrates non-compliance with FCRA obligations to correct or remove unverifiable data. 
XXXX  XXXX Bankruptcy Dismissed Date Filed/Reported : XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXXXXXX Bankruptcy Dismissed Date Filed/Reported : XXXX Reference # : XXXXXXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc.
State: OH

Complaint narrative:
Ive found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and I am requesting a full investigation under the fair credit reporting act ( FCRA ). Please remove this unverifiable item.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: MI

Complaint narrative:
Subject : Failure by Credit Bureaus to Resolve Disputes and Provide Required Verification Under the FCRA I am filing this complaint against Experian, Equifax, and TransUnion due to their repeated failure to properly respond to multiple credit report disputes I have submitted, including my most recent dispute in 2025. Despite these formal notices, the three credit bureaus have not taken corrective action, nor have they provided a legally sufficient response under the Fair Credit Reporting Act ( FCRA ). 

Instead of complying with my requests, the bureaus returned generic verified responses without fulfilling the legal requirement to provide a detailed method of verification, as required by 15 U.S.C. 1681i ( a ) ( 7 ). This conduct violates : 15 U.S.C. 1681i ( a ) Failure to properly reinvestigate disputed information 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy of credit file content Disputed Items Still Unresolved : Charge-Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inaccurate Personal Information : Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX The Credit Bureaus Have Failed to Provide : The specific procedures and methods used to verify the disputed accounts The full name, title, and contact details of the furnishers or data providers contacted Any documentation relied upon to confirm the accuracy of the disputed 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 2025-07-30 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: MI

Complaint narrative:
Subject : Failure by Credit Bureaus to Resolve Disputes and Provide Required Verification Under the FCRA I am filing this complaint against Experian, Equifax, and TransUnion due to their repeated failure to properly respond to multiple credit report disputes I have submitted, including my most recent dispute in 2025. Despite these formal notices, the three credit bureaus have not taken corrective action, nor have they provided a legally sufficient response under the Fair Credit Reporting Act ( FCRA ). 

Instead of complying with my requests, the bureaus returned generic verified responses without fulfilling the legal requirement to provide a detailed method of verification, as required by 15 U.S.C. 1681i ( a ) ( 7 ). This conduct violates : 15 U.S.C. 1681i ( a ) Failure to properly reinvestigate disputed information 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy of credit file content Disputed Items Still Unresolved : Charge-Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inaccurate Personal Information : Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX The Credit Bureaus Have Failed to Provide : The specific procedures and methods used to verify the disputed accounts The full name, title, and contact details of the furnishers or data providers contacted Any documentation relied upon to confirm the accuracy of the disputed 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 non-monetary relief
Consumer complaint received 2025-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
CFPB Complaint Statement XXXX XXXX Subject : Repeated Failure by All Three Major Credit Bureaus to Address Inaccurate Payment History Billing Error under 15 U.S.C. 1666 Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX : XX/XX/XXXX Last XXXX of XXXX : XXXX Date : XX/XX/XXXX I am filing this formal complaint against Experian, Equifax, and TransUnion for their collective failure to resolve multiple disputes I have submitted regarding inaccurate late payment notations on my credit reports. This is now my third and final attempt to have these errors corrected. 

Over 35 days have passed since my initial dispute was filed. I also submitted a second follow-up with no valid documentation or verification provided by the bureaus in response. To this day, none of the three credit reporting agencies has supplied any proof or investigative results to validate the disputed late payments. 

These accounts continue to reflect inaccurate negative reporting, and the issues fall within the legal definition of a billing error as outlined under 15 U.S.C. 1666 ( b ), due to : Failure by creditors to properly post or apply payments made on time Internal computation/accounting mistakes In some cases, the failure to provide billing statements at least 21 days before the payment due date, which renders any reported late payment invalid and unreportable This dispute is being filed personally by me, without the assistance of any third party. I am asserting my rights under the Fair Credit Billing Act ( FCBA ) and Fair Credit Reporting Act ( FCRA ), which mandate the accuracy and completeness of consumer credit information. 

Accounts with Disputed Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * * *

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Dear Sir or Madam, I am writing to file a formal complaint against PHH Mortgage XXXX for what I believe are repeated violations of consumer protection laws, mortgage servicing standards, and potentially discriminatory practices. 

I am currently a borrower with PHH Mortgage ( XXXX XXXX : XXXX ). In XX/XX/XXXX, I was granted a mortgage modification, and I complied fully by submitting the required documentation and making trial payments for XXXX, XXXX, and XX/XX/XXXX. Despite my good-faith efforts and ongoing communication, PHH Mortgage has : Repeatedly harassed me with phone calls demanding payments that were not due while I was in an active mortgage modification. 

Ignored key documentation and phone conversations confirming that my materials were submitted on time, including a final mortgage package in XX/XX/XXXX. 

Denied a valid partial claim without just cause or proper explanation. 

Sent law enforcement to my home in response to a mortgage servicing issuea disproportionate and dangerous action that placed me, an African-American man, at personal risk. 

Failed to apply a {$3200.00} trial payment ( currently in suspense ) to the appropriate mortgage month, despite clear instructions and eligibility. 

Refused to assign individual accountabilitycommunications from PHH are unsigned and vague, and representatives have provided conflicting information. 

I have attempted multiple times to resolve these issues directly with PHH Mortgage. I have also requested transcripts or recordings of phone calls from XXXX through XX/XX/XXXX, which should clearly show that I was informed my mortgage was not due until XX/XX/XXXX, and that I was actively working within the terms of a valid modification. 

These actions have caused me significant emotional distress, disrupted my financial planning, and made me feel targeted and unsafe in my own home. I am seeking accountability, clarity, and the correction of all errors related to my mortgage. 

Requested Action : Immediate review of PHH Mortgages handling of my mortgage modification. 

Application of all trial payments to the correct months. 

Investigation into the decision to involve law enforcement. 

Compensation or other remedy for emotional distress and negligence. 

Enforcement actions, if appropriate, to ensure PHH Mortgage complies with all applicable laws and regulations. 

Thank you for your attention to this serious matter. Please feel free to contact me at [ Your Phone Number ] or [ Your Email ] should you require additional documentation, including correspondence from PHH Mortgage. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation