vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
According to 15 USC 6802, financial institutions are prohibited from disclosing my personal information without my consent. Additionally, under 15 USC 1666, 15 USC 1666b, and 12 CFR 1026.13, I am protected under federal law in the case of billing errors, including the incorrect reporting of late payments. I am formally disputing the late payment marked on my student loan by the XXXX XXXX XXXXXXXX XXXX as it qualifies as a billing error. I request that this account be thoroughly investigated and that the inaccurate late payment be removed from my credit file. Please provide verification of the alleged delinquency or delete the derogatory remark in compliance with the Fair Credit Billing Act and the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Apple Card XXXX Goldman Sachs Apple Card is reporting a {$3400.00} charge-off on all three bureaus. There is evidence of re-aging, inconsistent XXXX and they have verified without producing the original signed application. Dispute resolution methods have not been disclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: TX

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. The following inquiries are not authorized. Please remove it from my credit report immediately. 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 XXXXXX/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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint against the XXXX major credit bureausXXXX Equifax, and XXXXfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and XXXX industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ).

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. 

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and CDIA Guidelines XXXX XXXX XXXX with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Inquiries : 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  These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX Equifax, and XXXX to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Fees charged
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I am submitting this complaint regarding PHH Mortgage XXXX handling of a reverse mortgage account associated with the estate of a relative. I believe PHH has engaged in improper servicing and collection practices, resulting in significant financial harm to the estate and its heirs. Key Issues : XXXX. XXXX XXXX XXXX XXXX Foreclosure XXXX : PHH petitioned the XXXX XXXX XXXX XXXX District of XXXX to open an estate and appoint a personal representative ( XXXX XXXX, XXXX. ), despite the existence of a valid Transfer on Death ( TOD ) Deed which should have transferred ownership automatically upon death, eliminating the need for probate. This action was later acknowledged as an error during court proceedings, and a XXXX XXXX to XXXX as XXXX Representative was filed and granted. This shows PHH acted without proper due diligence in initiating estate proceedings and related legal actions. XXXX. Excessive and Unexplained Fee Increases : From XXXX year to the next, the loan payoff balance increased by over {$30000.00}. The payoff statements provided by PHH include charges that appear questionable or excessive, including : Legal/attorney fees Foreclosure processing fees Forced property preservation charges Interest accrual seemingly disproportionate to principal These fees were assessed during the same period that PHH pursued the improper foreclosure and probate actions. XXXX. Charging Heirs Legal Fees Despite Procedural Error : PHH appears to have passed on attorney fees and foreclosure costs to the heirs, despite the fact that their legal action to open the estate was not only unnecessary but later withdrawn. This includes charging for foreclosure-related legal fees and processing even after the error was admitted in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint against the XXXX major credit bureausXXXX Equifax, and XXXX ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and XXXX industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ). 

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. 

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and XXXX  Guidelines XXXX XXXX XXXX with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX XXXX XXXX XXXX  Account Number XXXX Balance : {$0.00} Open Date XX/XX/XXXX These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX Equifax, and XXXX to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: 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 XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Auto My car was stolen and the loan was paid off by XXXX Wells Fargo issued me a XXXX check for overcharging interest, yet they continue to report a {$1600.00} charge-off on XXXX XXXX XXXX This is inaccurate and unfair.

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 2025-08-06 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: UT

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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 XXXX XXXX INQUIRIES : XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX 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 2025-08-06 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: LA

Complaint narrative:
I did not apply for this account, and I believe it was opened fraudulently or in error. I have requested that this account be closed and that any associated inquiries or negative reports be removed from my credit file. The account in question is not mine, and I have never authorized its creation or usage. I have also reported and completed a police report, and an identity theft affidavit

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 2025-08-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I did not apply for this account, and I believe it was opened fraudulently or in error. I have requested that this account be closed and that any associated inquiries or negative reports be removed from my credit file. The account in question is not mine, and I have never authorized its creation or usage. I have also reported and completed a police report, and an identity theft affidavit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: PA

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 non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I received a collection notice regarding a debt allegedly owed to LVNV Funding, serviced by Resurgent Capital Services, for a charged-off XXXX XXXX XXXX account XXXX I disputed this debt and submitted a request for full validation on or around XX/XX/year>, through a CFPB complaint. 

In response, Resurgent provided billing statements and general terms and conditions but failed to include the legally required documentation to validate the debt. They did not provide : XXXX. A signed contract or application linking me to the alleged account, XXXX. A full itemized history of transactions, fees, and charges, XXXX. A complete chain of assignment from XXXX XXXX to LVNV/Resurgent XXXX XXXX. A copy of the arbitration clause they referenced, or any evidence I agreed to it, XXXX. Proof that they are legally authorized to collect or report the account. 

They also refused to provide the purchase and sale agreement, which raises doubt about whether they have legal ownership. Their response does not meet the requirements under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

Despite this, they continue to report this account to the credit bureaus, damaging my credit profile, and falsely implying the debt is valid and collectible. 

I believe this debt is not legally mine, or at minimum, has not been lawfully validated, and I am requesting full removal and immediate cessation of collection activity. Additionally I have asked for this company to cease all communication, yet both resurgent and LVNV are not complying with my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: MS

Complaint narrative:
These accounts were not opened by me and are signs of fraud. As mandated by USC 1681g, please delete them within XXXX  days. Evidence has been provided.

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 2025-08-06 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: AR

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 XXXX 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 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Im writing because my Capital One checking account has been frozen for over XXXX months. Ive called many times, and each time Im sent a link to verify my ID. Ive tried to follow the steps, but the verification keeps failing. No one has explained why, and I havent been able to fix the problem. 

I live in XXXX XXXX, and theres no Capital One branch here where I can go in person. My money is stuck in the account, and I really need access to it. This has caused a lot of stress and financial trouble. 

Im asking for : - A clear reason why my ID verification keeps failing - A better way to verify my identity since I cant go to a branch - Help from someone who can actually fix this If this isnt resolved soon, i am going to be in debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist and Request for Immediate Deletion from All Consumer Reporting Agencies To Whom It May Concern, This letter serves as a formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), requesting that you cease and desist all communication with me regarding the alleged account you claim I owe. I dispute the validity of this account and any negative reporting associated with it. You have failed to provide full and complete verification of the debt, and until such documentation is provided, you are required by law to cease all collection efforts, including reporting to any consumer reporting agencies. Furthermore, I am requesting a fair and immediate resolution by permanently deleting this account from all consumer reporting agencies, including but not limited to XXXX XXXX XXXX XXXX. Reporting inaccurate or unverified information violates the FCRA and may subject your company to legal consequences. If you continue to report this account without valid proof or refuse to remove it, I will not hesitate to escalate this matter through the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and/or consider legal action to protect my rights. Please confirm in writing within XXXX  days that you have ceased all collection activity and have requested deletion of the account from all credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
There is an account from XXXX bank with a balance of {$330.00} that has been reported as fraud. It's a result of identity theft. There are multiple FTC reports and police report on file with the XXXX department that support this. I've been disputing it for several months with no success which in itself is against the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
There is an account from XXXX bank with a balance of {$330.00} that has been reported as fraud. It's a result of identity theft. There are multiple FTC reports and police report on file with the XXXX department that support this. I've been disputing it for several months with no success which in itself is against 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 2025-08-06 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: MS

Complaint narrative:
These entries on my credit report reflect unauthorized accounts. In compliance with USC 1681g, they must be removed within 15 days. Supporting evidence is included.

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