vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I recently opened a credit card with XXXX XXXX and was approved ( XXXXXXXX XXXX XXXXXXXX ). I have been using my card and paid it off and capital one restricted my account without warning. I provided the documentation required and they confirmed receipt and they said they cant do anything about it and I have to wait. Also, I have 3 other accounts with them and have NEVER received this restriction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Oquirrh Mountain Law Group, P.C.
State: VA

Complaint narrative:
I am a claimant in the Lexington Law settlement. My original settlement check was mailed to an incorrect address. After learning this, I submitted an address update and attempted to contact the settlement administrator multiple times to request a reissued check.

Despite these efforts, I have received neither a response nor a replacement payment. I have not been confirmed that the original check was voided or that a reissue has been processed.

I am requesting confirmation that my original settlement check has been voided and that a replacement check has been issued, including the date it was mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$0.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-12-29 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: MD

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 explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
In XX/XX/year>, my FHA mortgage with Freedom Mortgage was reported as 30 days late. I acknowledge the late payment occurred and I am not disputing accuracy under the Fair Credit Reporting Act. The loan never reached 60 days late, I immediately corrected the payment, and the account is currently paid and in good standing. 

Immediately after this occurred, I contacted Freedom Mortgage for assistance. During my first call, I was instructed to download the Freedom Mortgage mobile app, set up autopay to ensure this would not happen again in the future ( which I promptly did ), and was also told that I could submit a goodwill or discretionary review request through the app. I followed these instructions exactly, submitted the request as directed, and was eventually routed back to the same scripted denial with no meaningful review or help. 

Multiple Freedom representatives at different times stated that Freedom DOES allow goodwill consideration or review. However, after escalation, I was later told Freedom actually has a XXXX tolerance policy and will never consider goodwill adjustments under any circumstances. Throughout this process, several employees repeatedly stated that the Fair Credit Reporting Act legally prohibits them from removing or adjusting an accurately reported late payment. This is misleading. I understand FCRA requires accuracy if data is furnished, but it does not prohibit discretionary correction or suppression. Freedom refused to acknowledge this, provided conflicting information, and denied any executive or discretionary review.

This situation has caused immediate and severe consumer harm. My credit score dropped into the low 600s, I am unable to refinance, this has created significant financial strain, and it is directly impacting my ability to relocate for work and secure housing in a new city. The harm is not simply the existence of the late payment, but the refusal to meaningfully review the situation, the contradictory instructions I was given, and the repeated claim that the law prevents goodwill adjustments, which prevented fair resolution.

I am requesting CFPB assistance to ensure : This matter receives an executive-level review rather than a scripted policy denial Freedom Mortgage clarifies and corrects misleading statements that FCRA prohibits goodwill adjustments Freedom Mortgage considers discretionary suppression or goodwill relief given the circumstances, the steps I took in good faith, and the significant consumer harm Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I am submitting this complaint regarding PHH Mortgages failure to honor an approved XXXX XXXX XXXX XXXX ( XXXX ) loan modification and its subsequent servicing actions. 

In XX/XX/year>, my mortgage loan was approved for the XXXX  XXXX XXXX ( XXXX ) to modify the loan terms, including an agreed-upon payment amount and interest rate, in order to bring the loan current. This approval was granted prior to any servicing transfer and constituted an active VA loss mitigation agreement. 

On XX/XX/year>, servicing of my loan was transferred from XXXX XXXX  to PHH Mortgage. Following this transfer, PHH Mortgage failed to properly implement or honor the existing XXXX loan modification agreement. 

Since the servicing transfer, I have made repeated attempts to resolve this issue directly with PHH Mortgage. I submitted multiple secure messages through my online account seeking clarification and correction of the loan terms. Despite these efforts, I have not received any meaningful response, explanation, or resolution from PHH Mortgage. 

On XX/XX/year>, I received a notice from the law firm XXXX XXXX XXXX XXXX XXXX, XXXX, stating that my loan had been accelerated and referred for foreclosure. This action occurred despite the existence of a XXXX loan modification and without any substantive communication from PHH Mortgage regarding the alleged default or failure of the modification. 

PHH Mortgage has not provided documentation showing that the XXXX agreement was invalid, canceled, or denied, nor has it explained why the agreed-upon payment terms and interest rate were not honored after the servicing transfer. 

I believe PHH Mortgage has engaged in improper loan servicing by : Failing to implement a valid XXXX loan modification Failing to respond adequately to borrower inquiries Advancing foreclosure and acceleration actions while a loss mitigation agreement was in place

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 2025-12-29 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: CA

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately.

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

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 2025-12-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX of this year I filed a complaint with cfpb but I have also disputed this account with XXXX over the phone as well as email and with the credit bureaus and they have never verified this debt that is not mine as well as reported to the credit bureaus that they actually did when they did not. The last communication the executive dispute office emailed me but everytime I responded they disappeared. Debt was never validated

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 2025-12-29 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: NY

Complaint narrative:
I am writing to dispute the following accounts listed on my credit report. I believe the information provided is inaccurate or incomplete. Please investigate and correct these discrepancies. 

Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, {$4400.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX, {$7600.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$1300.00} XXXX XXXX XXXX XX/XX/XXXX, {$10000.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$2800.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, {$7100.00} XXXX, XXXX, XX/XX/XXXX, {$650.00} Late Payments : 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 explanation
Consumer complaint received 2025-12-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am disputing the following accounts on my Experian report, as they are inaccurately reported : Charged Off : XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$840.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$770.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$340.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$340.00} XXXX XXXXXXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$860.00} XXXX XXXX OF XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00} XXXX  XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$360.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$19.00} XXXX XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX XXXX. XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX Late Payments : XXXX, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX, Account Number XXXX XXXXXXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, 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 explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
To Whom it May Concern : A dispute was filed with Capital One due to a charge for a cancelled hotel reservation.

Capital Ones response confirms the dispute was closed solely because a partial refund was issued.

I did not agree that the refund constituted full and final settlement, and Capital One has provided no evidence of any settlement agreement. 

Closing a dispute due to a refund alone is a procedural assumption, not a valid resolution. I am requesting reconsideration or correction of this error. 

Regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-12-29 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:
Upon reviewing my credit report, I found multiple accounts, inquiries and incorrect information that I am not aware of. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) I demand immediate blocking and removal of accounts, inquiries, and personal information resulting from identity theft. I have provided government ID, proof of address, and an identity theft affidavit so, there shouldnt be any confusion or stall tactics on your end. Continued reporting of these fraudulent accounts violates FCRA 607 ( b ) ( accuracy requirement ), 611 ( dispute process ), and 623 ( furnisher responsibilities ). Failure to comply constitutes willful noncompliance under XXXX, exposing the bureaus and furnishers to statutory damages, punitive damages, and enforcement action

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 2025-12-29 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I have disputed this account multiple times over the years with it just updating as verified with no verification given. This is not my account.

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 2025-12-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
I was a victim of fraud after the nationwide leak of millions of social security numbers and I seen numerous accounts and inquiries on my credit report. I spoke to all the companies but they did not remove the accounts and they didnt stop calling me even after I provided proof that it had nothing to do with me. I just want the accounts off of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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