vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 



The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible : XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX Account state : closed Credit limit : {$0.00} Current balance : {$0.00} Highest balance : {$39000.00} Payment : $ XXXX Past due : {$0.00} Account age : 2 years Account Details Account type : Account status : Auto Loan Payment after charge off/ collection, Paid profit and loss Open date XXXX The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 



Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 



Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. 



Sincerely yours

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX Consumer Dispute Center ( TU ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. 
1 Please remove the following inaccurate address from my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 2 XXXX XXXX XXXXXXXX I noticed you are reporting multiple 30 day late payments on my credit history. I dont believe these to be accurate. Please check your records and verify that I was more than 30 days past my due date. 
3 XXXX # XXXX Please verify this account. 
4 XXXXXXXX XXXX # XXXX Please verify this account. 
5 XXXXXXXX XXXX # XXXX Please verify this account. 
6 XXXX XXXX # XXXX I noticed you are reporting multiple 60 day late payments on my credit history. I dont believe these to be accurate. Please check your records and verify that I was more than 30 days past my due date. 
7 XXXX XXXX # XXXX Please verify this account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation. 
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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I am submitting this formal complaint regarding PHH Mortgage Services, LLC, based on their deceptive mortgage servicing practices and the inaccurate reporting of a 30-day late payment, despite my proactive efforts to remain in good standing. 


Background : In XX/XX/year>, my home in XXXX sustained significant damage during a tropical storm. PHH Mortgage granted me a forbearance covering XXXX, XXXX, and XXXX. In early XXXX, following additional damage caused by Hurricane Beryl, I contacted PHH to request an extension of the forbearance. I was informed that no extension could be granted until the existing period expired. 

On XX/XX/year>, I called PHH to confirm what was needed to bring my account current. I was told I would need to make two payments. On XX/XX/year>, I called again to clarify what was required to avoid a 30-day late mark. A representative informed me that if I paid approximately {$2100.00}, I would not be reported late. Based on that assurance, I submitted the payment immediately and was transitioned into a disaster assistance plan. 

Despite this, on XX/XX/XXXX, I discovered that PHH had reported a 30-day late payment for XXXX directly contradicting what I had been told. When I raised the issue, I was denied a full explanation or resolution. I specifically requested the transcript or audio recording of the XX/XX/XXXX call, during which I was assured there would be no credit impact. Instead of fulfilling that request, PHH only provided a written summary from their perspective, which omits key assurances I received during the conversation. 


Key Issues : Misleading verbal representations made by PHH Mortgage representatives Breach of trust and transparency, especially during a disaster recovery situation Refusal to provide requested evidence ( call recording or transcript ) Inaccurate and damaging credit reporting, resulting in hardship and denial of financial opportunities Failure to correct the issue, despite multiple escalations and involvement of legal counsel Requested Action : A formal investigation into PHH Mortgage 's conduct during forbearance transitions and credit reporting Immediate removal of the inaccurately reported 30-day late payment Policy review regarding how PHH handles disaster relief communication and customer assurances I have retained counsel to assist with this matter, though I am submitting this complaint independently at this time. I am also preparing to file additional complaints with the Consumer Financial Protection Bureau and credit bureaus, as well as explore any further legal remedies available to me under state and federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
NOT MINES Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX CA XXXX NEVER LIVED HERE NOT MINES XXXX XXXXXXXX XXXX XXXX  XXXX CA XXXX NEVER LIVED HERE The following personal information is incorrect Employers : XXXX XXXX DON'T WORK HERE The inquiry was not authorized XXXX XXXX  This is not mine. I am a victim of ID Theft and I have included a FTC report. Please investigate and remove from my credit report. 

The inquiry was not authorized XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 


The inquiry was not authorized XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

The inquiry was not authorized XXXX XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 


The inquiry was not authorized XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

The inquiry was not authorized XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

Validate Account XXXX XXXX  O Please ensure that all information is accurate

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
NOT MINES Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX CA XXXX NEVER LIVED HERE NOT MINES XXXX XXXXXXXX XXXX XXXX  XXXX CA XXXX NEVER LIVED HERE The following personal information is incorrect Employers : XXXX XXXX DON'T WORK HERE The inquiry was not authorized XXXX XXXX  This is not mine. I am a victim of ID Theft and I have included a FTC report. Please investigate and remove from my credit report. 

The inquiry was not authorized XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 


The inquiry was not authorized XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

The inquiry was not authorized XXXX XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 


The inquiry was not authorized XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

The inquiry was not authorized XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

Validate Account XXXX XXXX  O Please ensure that all information is accurate

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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 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 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 2025-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I need help to file a dispute on a hard inquiry on my credit report from today. 

I received a spam text stating that there was a charge on my PayPal account and to call the number on the text. 
I always ignore potential scam messages and confirm myself. 

I went to log in directly on the PayPal app to check if theres been any transactions. As soon as I put my log in information, a blank screen comes up, then it loads a screen asking for my information. This information was my name, DOB, income, etc. I did not think much of it, as I think it was just trying to confirm my identity to allow me to log in to my account. 

As soon as I submit the information, the next page says Youve been approved for a XXXX Mastercard from PayPal. 

I was in complete shock, as PayPal essentially tricked me into applying for their credit card. I immediately called PayPal Synchrony and they closed my account. They also submitted a case inquiry, to get this investigated and removed from my credit report. 

Can I please report this and get this removed from my credit report? 

I was tricked by PayPal to apply For their credit card without knowing. I was simply trying to log in to my PayPal account to check my transaction history. I did not want to apply for a credit card. My credit score decreased 3 points because of PayPals fault. I did not approve to apply to a credit card. PayPal tricked me into doing this, and the reasonable person would agree this was not ethical.

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 2025-04-10 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2025-04-10 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: SC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2025-04-10 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: IL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
XX/XX/XXXX two unauthorized transactions hit my checking account one {$100.00} at XXXX and another for {$99.00} XXXXXXXX XXXX when i seen the first transaction i used the app to freeze my cards and get tried to get a hold of chime support which takes forever to somehow another transaction hits my account ( IM HOME by the way ) on the app it also gives you the location of the transaction and its from a store called XXXX XXXX which ive never heard of in my life until the moment I checked theyre also located out of state!! the transactions came from a store i assume is in Washington ive never left the state of Texas as an adult NEVER i didnt lose any of my cards or wallet i had everything on me and all my transactions were from work vending machines, XXXX , XXXX, some fast food spots all located in Texas if the chime investigation department actually did their job they would see that like how could leave texas and make it to another state in an hour?? it makes no sense ive expressed this to chimes claim department multiple times just to get denied a couple weeks later?? also the first time i was told that since it was an unauthorized purchase i didnt need a dispute and that my funds should be back into my account within a couple business days i gave it about 4 days and nothing so i call about it and turns out nothing was released so i had to make a dispute! I work my XXXX for my money!! and im just making enough to pay my bills and they refuse to reimburse me?? I even looked into situations like this and turns out its a common thing with chime and they even had a law suit against them like this whole thing is wild that theyre even allowed to be on the app market

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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 Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX ( XXXX ) XXXX XX/XX/year> Dear XXXX, I, XXXX XXXX XXXX, have written this dispute letter to to dispute falsely claims on my credit Party Owed : XXXX Amount : {$1000.00} Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX ( XXXX ) XXXX XX/XX/year> Dear XXXX, I, XXXX XXXX XXXX, have written this dispute letter to to dispute falsely claims on my credit Party Owed : XXXX Amount : {$1000.00} Account number : 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 2025-04-10 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
This company is reporting a charged off amount for {$560.00}. I requested from them in writing a fraud packet and I sent them an identity theft report. The company did not respond. However, they are reporting this to my personal credit.

Company response to consumer: Closed with explanation