vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Back on XX/XX/XXXX I applied with PHH for a mortgage assistance to help lower my payment hoping to get a lower payment with a new loan modification or some kind of assistance. I applied and filled out their Mortgage Assistance Application starting on XX/XX/XXXX. I received many letters from them and my mortgage payments were only about 2 months late. I have been trying to get a straight answer as to why we can not be approved for a lower monthly payment loan modification. Then on XX/XX/XXXX, I received a letter as to why we were denied. I was not approved for : 1. Unemployment Forbearance 2. Helping Homeowners Modification 3. Streamline Modification I was able to appeal and on XX/XX/XXXX, the lender sent me a response and why I was not eligible for each of those reasons above. The lender said I could apply again... so I did. I have sent an application on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX sent them additional paystubs, XX/XX/XXXX sent them more additional paystubs, sent another application XX/XX/XXXX. By this time I am very delinquent. I could have paid them when I was only 4 months late, but they would not take one payment. When I did not get approved from the first time back when I applied in XXXX, they told me that I was not delinquent enough. And now I am very delinquent and need more time to pay. I was hoping they would help me to put what I owe to the back of the loan or at least a payment plan, however, PHH or the lender did not offer to help even though they tell me every time I call to " not worry, we are here to help you ''. I have owned this home with my husband for XXXX XXXX  and now and I do not want to lose my home. I hope you can please help me and my husband. Thank you. Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OH

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX XXXX # XXXX I am unaware of this debt entirely and that was sent to collections without the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature, debt validation from original creditor, purchase agreement, and that you are licensed in my state to collect said debt. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action for violation of ( 604.15.USC.1681b & 15.USC.1692g ) consumer rights. Each violation as you know could result in a fine of {$1000.00} with an addition of lawyer costs.

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 2025-05-29 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
These intrusive, far too frequent Florida calls come from a XXXX house of cold callers trying to collect a debt. They happen at all times of the day, weekend, worktimes and virtually any time, and too much latitude to intrude is given these people, it violates their targets and is very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I placed a dispute with TransUnion regarding saber acceptance car loan that was paid and closed and always on time. Originally trans union has it marked on my credit report as paid after repossession when there was never a repossession. This original complaint was complaint number XXXX with your office. After waiting XXXX days for trans union to fix their error, which was indeed their error, they updated it to simply say closed. They show no payment history nor does the report say paid and closed. It just simply says closed now. This should say paid and closed not just closed. I have been having so many issues with TransUnion and this is currently effecting me getting a new car because of TransUnion not reporting things correctly. XXXX XXXX  has reported it correctly and has documentation proving they have. TransUnion, however, will not correctly fix it even after multiple attempts to correct it. XXXX  has is posted a XXXX percent accurately with no issues. It is just TransUnion that keeps messing it up. I have attached screen shots

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 2025-05-29 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: AZ

Complaint narrative:
I do not recognize these hard inquiries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: 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 XXXX XXXX. 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 XXXX  of my XXXX  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 2025-05-29 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: NJ

Complaint narrative:
Subject : Request for Blocking and Deletion of Fraudulent Accounts Pursuant to 15 USC 1681c-2 ( a ) The Fraudulent Unauthorized Accounts Were Not Open By Me. 

I am contacting you as a victim of the Data Breach. Since my information was compromised, I am invoking my rights under 15 USC 1681c-2 ( a ) to request that any fraudulent accounts associated with my identity be permanently blocked and deleted from my credit file. 

Please take the necessary actions to ensure that any unauthorized or fraudulent accounts, as detailed in the accompanying documentation, are blocked and removed from my records. 

Please confirm in writing that my request has been processed and that all fraudulent accounts have been blocked and deleted. If you need further information, you may reach me at the contact information provided above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: MA

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-05-29 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: MI

Complaint narrative:
This is my third formal complaint regarding inaccurate information being reported on my credit file. 

I am disputing each item you have reported as inaccurate. I previously requested itemized documentation to verify the validity and ownership of the debts being reported. To date, you have failed to provide sufficient evidence or clarification to support your reporting. 
I have clearly stated the basis for my dispute. Despite your assertion, I have not received any letters from your organization or any collection agencies concerning these accounts.

Under the Fair Credit Reporting Act ( FCRA ), you are legally obligated to follow the procedures below : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Upon receiving a dispute, you must conduct a reasonable investigation within 30 days to determine whether the disputed information is accurate.

15 U.S.C. 1681i ( a ) ( 5 ) : If the information can not be verified, it must be deleted from the consumers credit file.

15 U.S.C. 1681e ( b ) : You must maintain reasonable procedures to ensure maximum possible accuracy of the information you report.

If you continue to report unverifiable or inaccurate information and do not complete the required investigation in a timely manner, I will pursue all available legal remedies and seek damages under 15 U.S.C. 1681n and 168
1o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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:
This is my third formal complaint regarding inaccurate information being reported on my credit file. 

I am disputing each item you have reported as inaccurate. I previously requested itemized documentation to verify the validity and ownership of the debts being reported. To date, you have failed to provide sufficient evidence or clarification to support your reporting. 
I have clearly stated the basis for my dispute. Despite your assertion, I have not received any letters from your organization or any collection agencies concerning these accounts.

Under the Fair Credit Reporting Act ( FCRA ), you are legally obligated to follow the procedures below : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Upon receiving a dispute, you must conduct a reasonable investigation within 30 days to determine whether the disputed information is accurate.

15 U.S.C. 1681i ( a ) ( 5 ) : If the information can not be verified, it must be deleted from the consumers credit file.

15 U.S.C. 1681e ( b ) : You must maintain reasonable procedures to ensure maximum possible accuracy of the information you report.

If you continue to report unverifiable or inaccurate information and do not complete the required investigation in a timely manner, I will pursue all available legal remedies and seek damages under 15 U.S.C. 1681n and 168
1o.

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 2025-05-29 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: TN

Complaint narrative:
After recently checking my credit report, I believe that i have been a victim of identity theft and found numerous accounts and credit inquiries I have no knowledge of. I have attached an FTC Report. I confirm that these accounts and inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report immediately. 

Account : XXXX XXXX - XXXX Inquiries : 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: TN

Complaint narrative:
After recently checking my credit report, I believe that i have been a victim of identity theft and found numerous accounts and credit inquiries I have no knowledge of. I have attached an FTC Report. I confirm that these accounts and inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report immediately. 

Account : XXXX XXXX - XXXX Inquiries : 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 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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the reinsertion of previously deleted information that has reappeared on my credit report. Under yhe Fair Credit Reporting Act ( FCRA ) specifically 15 USC 1681i ( a ) ( 5 ) ( B ) a consumer reporting agency must notify the conumer within five business days when previously deleted information is reinserted into their file XXXX XXXX was reinsertion back on my file XXXX-3025. To date I have not received the legally required notice informing me of the reinsertion of the information including a statement certifying the accuracy of the information from the furnisher as requird by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to XXXX XXXXXXXX XXXX XXXXXXXX, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under XXXX XXXX XXXX XXXX, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within XXXX ( XXXX ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX * * * * Balance : {$200.00} XXXX XXXX XXXX * * * * Balance : {$830.00} XXXX XXXX * * * * XXXX : {$3300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX * * * Balance : {$720.00} XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX * * * XXXX Balance : {$68.00} XXXXXXXX XXXX XXXX XXXX * * * * Balance : {$120.00} Under XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under XXXX XXXX XXXX XXXX - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: CITIBANK, N.A.
State: TX

Complaint narrative:
CITI ( Opened : XX/XX/year> ) Over 7 years old, marked Derogatory with Charged off as bad debt.

Under FCRA, derogatory accounts over 7 years may be eligible for removal

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 2025-05-29 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:
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. 

XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 604 A Section 2 : 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 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 2025-05-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I had a joint brokerage account with Merrill Lynch, and in XX/XX/XXXX, my wife was officially added to the account after we submitted all required documentation and completed verification. Her login credentials were created, and everything appeared to function normally. 

In XX/XX/XXXX, I received a letter from the bank stating that additional information was pending. I immediately updated all requested details by XX/XX/XXXX, and confirmed this over the phone with multiple representatives. Each of them assured me that my account was up to date and in good standing. 

However, without any further notice or my authorization, XXXX XXXX liquidated all of my brokerage holdings in XX/XX/XXXX. When I contacted customer service, I was shocked to learn that not only had my wifes details never been properly updated in the system ( despite having submitted them the previous year ), but even my information had not been correctly maintained. 

Moreover, I was told that the account was closed due to these unresolved documentation issues. This was never communicated to me clearly, even after speaking with at least XXXX different representatives between XXXX and XXXX. None of them provided correct or complete information, which left me completely unaware of the risk to my account. 

As a result : All of my shares were sold without my knowledge or consent, and I lost valuable market opportunities while the account was restricted. 
I experienced mental stress, anxiety, and spent numerous hours on the phone with customer service to resolve a problem and after my persistent efforts my account was restored.

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