vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
Ocwen ( PHH Mortgage ) acquire our loan from XXXXXXXX XXXX XXXX we divorced. Husband retain the house. XXXX Husband modified the loan. Ocwen change my fixed mortgage into a balloon mortgage. Ocwen did not notified me of this change nor did they found it necessary to get my signature. Under what real estate law, Fair Housing law, Mortgage law, can an entity change a mortgage contract without a divorce in tact? Can a mortgage lender allow the divorce spouse to obligate the other spouse without consent and therefore indebt the other spouse without signature, written consent, written knowledge or a heads up telephone conversation? Since there is only one person who signed the modification agreement, should not that person be obligated to pay it, alive or dead? How can a modification of a loan lead to demand of an unwitting spouse, such as I. Are there any rights for the divorce spouse to be made aware that their mortgage institution change the terms of her mortgage obligations? XXXX Husband passed away. 

XXXX I resumed paying the loan as I found it and XX/XX/XXXX was my last payment. PHH has rejected the last pay of {$320.00}. I offered {$15000.00} payment off settlement and they rejected as well. They are cavalier with their information by changing about amounts in XXXX twice within a weeks period. The payoff went from XXXX in XXXX and to XXXX to XXXX in XXXX. The seems to need me to request a payoff letter, they need me to request any information. They send a different person to respond to my needs thus starting from the same point never advancing the conversation nor giving a clear dollar amount for the payoff. Ocwen will not memorialize of the their actions such as the refusal of the returned wire or the reject of any settlement. They will not memorialize the based of the their beginning figure or any increases along the way. I repeat XXXX seems to have a cavalier attitude towards my needing to understand this modification process in its entirety. Since they only made me aware of this modification obligation XX/XX/XXXX and that was by accident. Me needing a new roof. I have been lost and trying to find legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: NY

Complaint narrative:
Subject : Formal Dispute of Charged-Off Account XXXX XXXX  and Experian eporting Account Number : XXXX Amount : {$3800.00} SSN ( last 4 digits ) : XXXX XXXX : XX/XX/year> Subject : Formal Dispute of Charged-Off Account- XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX {$1400.00} XXXX ( last four digits/ ) : XXXX XXXX : XX/XX/year> Dear Experian Dispute Department, I am writing to formally dispute the accuracy and legality of a charged-off XXXXXXXX XXXX  account being reported on my credit file in the amount of {$3800.00}. In addition collection agency XXXX XXXX XXXX for the amount of {$1400.00}. After reviewing my credit report, I believe this item is being reported in violation of federal and commercial law, and I request its immediate deletion. 

Legal Basis for Dispute 1. FCRA 1681i ( 15 U.S. Code 1681i ) Reinvestigation of Disputed Information I am exercising my right under the Fair Credit Reporting Act to dispute information that is inaccurate, incomplete, or unverifiable. Under this statute : " If the completeness or accuracy of any item of information contained in a consumer 's file... 
is disputed... the agency shall, free of charge, conduct a reasonable reinvestigation ... '' You are required to : Complete this reinvestigation within 30 days Remove or correct unverifiable or inaccurate information Provide written notice of the outcome 2. FCRA 1681s-2 ( 15 U.S. Code 1681s-2 ) Duties of Furnishers XXXXXXXX XXXX  , as a furnisher, is legally obligated to : Not report information they know or have reason to believe is inaccurate Correct and update information that is incomplete or incorrect Cease reporting if information can not be verified If XXXX XXXX XXXX XXXX XXXX has failed to verify the accuracy of this chargeoff/collection or reported it incorrectly, its continued presence violates FCRA 1681s-2 ( a ) ( 1 ) ( A ) and 1681s-2 ( a ) ( 2 ) ( B ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: IL

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 
1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Filed a complaint about an improper debt collection earlier today XXXX XX/XX/year> about Ally Bank and XXXX. XXXX was paid by XXXX XXXX XX/XX/year> and cleared my bank account on XXXX XX/XX/year>. I attached proof of payment on CFPB site, as well as the letter. This was for {$250.00} through XXXX XXXX XXXX XXXX Bill Pay service Confirmation XXXX check number XXXX for Ally bank account number XXXX. 

Ally bank just sent me a debt collecion email from my complaint reporting me to a debt collector. I can not make up how Ally Bank has lied and lied again. I will attach all documents again. When will the abuse stop from Ally Bank as well as XXXX. 

XXXX was called for payment options at XXXX on XXXX XX/XX/year>. Bill pay was sent that day as instructed to XXXX XXXX XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: FL

Complaint narrative:
I have made multiple complaints to the credit agencies about the same issues. The names and address are incorrect on my account and are still showing up. i have accounts that are not mines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX IL XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3500.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8400.00} XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6000.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5400.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7100.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3300.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5200.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$5000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/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 explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: CA

Complaint narrative:
FOR THE LAST 4 DAYS I HAVE BEEN RECIEVING ON AVERAGE 15 CALLS PER DAY FROM WESTLAKE FINANCIAL SERVICES. I ASKED THEM TO STOP CALLING BUT THEY CONTINUE TO DO SO. I HAVE NEVER MISSED A PAYMENT ON MY LOAN. I ASKED FOR A SUPERVISOR AND THEY REFUSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: CA

Complaint narrative:
On XX/XX/year>, I sent an affidavit to Equifax credit bureau outlining the negative effects and harms imposed by child support obligations as instituted under California law. Highlighting the damaged reputation of my credit profile. The enforcement of child support obligations made a negative impact on my credit profile for all 3 bureaus. Which severely damaged my reputation and limiting access to essential financial services, contradicting the fair treatment guidelines of Consumer Financial Protection Bureau. The invasion of personal rights to privacy, Identity and fraud, unlawful debt and counterproductive outcomes. The issues surrounding child support shortcomings warrant careful reconsideration for deletion of child support from credit profile. Equifax received the affidavit on XX/XX/year> at XXXX XXXX  As of todays date, XX/XX/year>, I have not heard back from Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: CA

Complaint narrative:
Im contacting you regarding inaccurate and unacceptable information listed on my credit report, which does not comply with the Fair Credit Reporting Act ( FCRA ) particularly the requirement that all reported information be complete, fair, and as accurate as possible.

After reviewing my credit file, I identified a specific item that is not meeting the FCRAs standard of maximum possible accuracy, and Im demanding that it be immediately deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was defrauded by a fake website posing as XXXX XXXX ( XXXX ). I submitted a fraud claim to Capital One and initially received a provisional refund. However, 90 days later, Capital One reversed the refund without providing any proof of shipment or delivery from the merchant. When I called to inquire, I was told my claim had been reopened, but on a follow-up call, I was informed that was false it had not been reopened. 

I provided Capital One with multiple screenshots, including confirmation that the site was fraudulent, as well as evidence that the company had no legitimate customer service, no physical address, and was already flagged online. Despite this, they sided with a known scam merchant and falsely assured me of case progress. 

Capital Ones actions violate consumer protection standards and Regulation E. Im requesting a formal investigation into the dispute reversal, Capital Ones internal handling, and their agents misrepresentations during my follow-up calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My repeated requests to correct and remove false information from my credit report have been ignored or denied. As a consumer, Im fully aware of my rightsand those rights are being violated by the continued reporting of inaccurate data that does not meet the standard of maximum possible accuracy. This is damaging my credit score and having a serious negative impact on my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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:
This letter is to bring to your attention the existence of fraudulent accounts on my credit report that I did not authorize, initiate, or have any knowledge of. These accounts are not mine, and I am deeply concerned about how my information was used without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , 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. I am filing this FTC Identity Theft Affidavit to report four fraudulent account ( s ) appearing on my consumer XXXX TransUnion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a student loan account opened at XXXX XXXX XX/XX/2006 under the account number XXXX  with a balance of {$2600.00}, a student loan account opened at XXXX XXXX XXXX XXXX XX/XX/2006 under the account number ending in XXXX with a balance of {$3800.00}, another student loan account opened at XXXX XXXX XXXX  XXXX XX/XX/2006 under the account number ending in XXXX with a balance of {$2600.00}, and a student loan account opened at XXXX XXXX XXXX XX/XX/2006 under the account number XXXX with a balance of {$3800.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX and XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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:
I am formally disputing a late payment that appears on my credit file and that I have confirmed to be inaccurately reported. My history of timely payments has been consistent, and the payment in question was made in full and on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint to report ongoing, willful, and unethical violations of the Fair Credit Reporting Act ( FCRA ), Metro 2 credit reporting standards, and Florida consumer protection laws by XXXX XXXX XXXX and the three major credit bureaus ( XXXX  Equifax, and XXXX  ). These violations are directly tied to the account : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Credit Account ending in XXXX Despite multiple disputes, a formal deletion demand, and a pending legal action ( Florida Case XXXX XXXXXXXX XXXX XXXX XXXX continues to furnish materially inaccurate, outdated, and misleading information to the credit bureaus. The bureaus, in turn, have refused to correct or suppress the data, despite being provided with detailed documentation of the violations.

III. Metro 2 and FCRA Violations by XXXXXXXX XXXX XXXX Metro 2 Violations ( XXXX XXXX ) No Dispute Code ( Code XB ) No Account in Dispute flag present on any bureau report Violates Metro 2 requirement to reflect dispute status when a consumer challenges accuracy Overlimit Reporting Without Suppression Account reports 100 % + utilization with no suppression flag Artificially inflates debt-to-limit ratio and suppresses credit score Stale Status Updates Last status update was XX/XX/XXXX Violates Metro 2 requirement for monthly updates Missing First Delinquency Date ( FDD ) No FDD reported, preventing accurate aging and suppression of obsolete data Charge-Off Reporting Without Validation Despite multiple disputes and a formal deletion demand in XX/XX/XXXXXXXX XXXX XXXX continues to report the account as a charge-off without providing any validation or reinvestigation results B. FCRA Violations 1681s-2 ( a ) ( 3 ) : Failure to mark account as disputed 1681s-2 ( b ) : Continued furnishing of inaccurate data after notice 1681i ( a ) ( 1 ) : Failure to conduct reasonable reinvestigation 1681e ( b ) : Failure to maintain procedures to ensure maximum possible accuracy 1681n : Willful noncompliance with FCRA obligations IV. Credit Bureau Complicity Despite being notified of these violations through : Multiple disputes filed by me and my legal representative A formal deletion demand submitted in XX/XX/XXXX A prior CFPB complaint filed in XX/XX/XXXX the credit bureaus have refused to correct, suppress, or delete the inaccurate tradeline. They continue to publish derogatory data that they knowor should knowis inaccurate and noncompliant with Metro 2 and FCRA standards.

V. Ongoing Harm Credit Score Suppression : Each time XXXX XXXX  modifies the account historically ( e.g., re-aging or status updates ), my credit score drops by XXXX points, despite no new activity or delinquency. 

Duration of Harm : XX/XX/XXXX Present ( 20+ months ) Impact : Denial of credit Increased interest rates Emotional distress and reputational harm Ongoing litigation costs in CASE XXXX XXXXXXXX

Company response to consumer: Closed with explanation