vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-07 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: AR

Complaint narrative:
On XX/XX/year>, I submitted a timely request for a XXXX HUD-permitted marketing XXXX, including a signed listing agreement. The condo was undergoing remodeling, and I explained the XXXX listing would go live upon completion. 

On XX/XX/year>, I followed up for status, but PHH did not respond. 

Despite this pending request, PHH ( through XXXX XXXX XXXX ) recorded a Notice of Default on XX/XX/year>. On XX/XX/year>, PHH denied the marketing extension, citing that no extension could be granted once a legal action had been filed. On XX/XX/year>, I provided XXXX proof showing the property was actively marketed. On XX/XX/year>, PHH denied rescission of the Notice of Default and offered only a courtesy hold. On XX/XX/year>, I sent a formal Demand Letter, but PHH has not corrected the error. 

These actions constitute servicing errors under 12 C.F.R. 1024.35 ( RESPA ) : Failure to respond to my timely extension request and follow-up ; Recording a premature Notice of Default while the request was pending ; Denying the extension solely because of PHHs own premature NOD ; Refusing to rescind the NOD even after proof of active marketing ; Imposing improper foreclosure-related costs. 

The XXXX is acting in good faith, actively marketing the property, and has complied with HUD rules. PHHs conduct is inconsistent with both HUD HECM servicing requirements and RESPA. 

This matter is also being escalated to HUDs XXXX XXXX XXXX for XXXX under XXXX guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: PA

Complaint narrative:
Nelet is reporting on my credit report as open and late and Im in a XXXX XXXX  this is making my credit score lower than the other credit reports because they are reporting accurace information on my report I already stated Im XXXX  and I have XXXX XXXX Im trying to get a job and this info is on my report and its not correct. Im having issues getting a bank account and an apartment this needs to be corrected on Nelet end so it can be accurate on my credit report. My XXXX  report is not being filed correctly and report is not correct from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It XXXX Concern, This letter is written in response to your recent communication, dated XX/XX/year> regarding an alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, I am asserting my right to request and receive full and complete validation of this debt with the accounts below in questioned. Creditors Name : 1. XXXX XXXX Bank XXXX last XXXX digits of account # XXXX ) Until this request is fully satisfied, you are hereby instructed to CEASE all collection activities, including calls, letters, credit reporting, or threats of legal action. Let me be clear : I am NOT acknowledging or accepting this alleged debt. I am demanding, under federal law, that you provide the following documentation for validation : 1. A copy of the original signed agreement that created the debt, bearing my signature. 2. A complete accounting statement, itemizing the alleged balance, interest, fees, and how these were calculated. 3. Proof of your legal authority to collect on this debt, including a copy of the assignment or purchase agreement from the original creditor. 4. The name and address of the original creditor, including account numbers and the date the alleged debt was incurred. 5. Verification that this debt is within the statute of limitations in my state. 6. Proof that you are licensed to collect debts in my state, including your license number and issuing authority. If you can not provide these materials, then you must immediately cease all collection attempts and remove any negative reports made to credit bureaus, in accordance with15 U.S.C. 1692g. Your failure to validate this debt as required, and any continued collection activity or credit reporting, constitute violations of both the FDCPA and the FCRA. As a result, if this information can not be furnished accurately, I will be requesting statutory damages in the amount of {$1000.00}, pursuant to 15 U.S.C. 1692k ( a ) ( 2 ) ( A ) of the FDCPA 15 U.S.C. 1681n and 1681 of the FCRA Unless you can provide legal and verifiable proof of this alleged debt, you must immediately : Cease all collection efforts Remove all references to this debt from any credit reporting agencies Refrain from contacting me again except to provide the validation requested This letter also serves as notice to preserve all communications and documents related to this matter for potential litigation. You have XXXX  days from the date of your receipt of this letter to provide the above-requested validation. If you continue to pursue collection efforts without complying, you will be in violation of federal law. Sincerely, 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 2025-09-07 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: MO

Complaint narrative:
I have sent detailed demand letters requesting manual review beyond e-OSCAR. I request CFPB oversight to ensure compliance with FCRA 611 and 623.

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 2025-09-08 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit.

Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " rrting of any. 
information in the file of a consumer that the consumer identifies as informaeasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purpoy report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the repotises. I do not believe any of these permissible purposes apply to the disputed items on mon that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
Subject : Request for Removal of Unauthorized Credit Inquiries To Whom It May Concern, I am submitting this complaint regarding several unauthorized credit inquiries that appear on my Experian credit report. I did not provide consent, authorization, or initiate any applications that would justify these hard inquiries. These inquiries are negatively impacting my credit profile, and I am requesting their immediate removal. 

The unauthorized inquiries listed on my report are as follows : XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian I have never applied for credit accounts with these institutions on the dates indicated, nor have I given any authorization for them to access my credit file. These inquiries were not initiated by me, and I believe they may be the result of errors or potential misuse of my personal information.

Actions I have taken so far include : Contacted Experian to dispute the inquiries directly. 

Contacted some of the financial institutions listed above to confirm no applications were submitted under my name. 

Monitored my credit reports with all three bureaus to ensure no fraudulent accounts have been opened. 

I respectfully request that the Consumer Financial Protection Bureau review this matter and assist in removing these unauthorized inquiries from my Experian credit report. 

Thank you for your attention and assistance in resolving this issue.

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 2025-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX : XXXX I never signed an agreement with this creditor- {$1300.00} XXXX XXXX  XXXX I never signed an agreement with this creditor- {$1200.00} XXXX XXXX XXXX : XXXX I never signed an agreement with this creditor- {$2000.00} XXXX XXXX XXXX XXXX : I never signed an agreement with this creditor- {$1900.00} XXXX XXXX XXXX XXXX : I never signed an agreement with this creditor- {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I formally request the deletion of accounts and personal data associated with my credit file that may have been compromised in the recent TransUnion data breach disclosed on or around XX/XX/year>. According to public reports, this breach exposed sensitive personal information including names, dates of birth, and Social Security numbers of over 4.4 million individuals. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to delete any information that can not be verified following a consumer dispute. Given the nature of this breach and the potential for fraudulent activity, I am disputing the accuracy and legitimacy of any accounts opened or modified during or after the breach period.

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 2025-09-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CCF Intermediate Holdings LLC
State: OH

Complaint narrative:
They called harassing my brother and nephew saying I needed to call them at XXXX and that XXXX XXXX filed a case against me to have my wages garnished if I didnt pay. They said the file number was XXXX. I called the number and they transferred me to someone who said I had a debt from XXXX lending from XXXX in the amount of {$500.00} that had not been paid, and threatened to garish my wages if I didnt pay them. I didnt give them any information and kept telling them I had to talk to my lawyer. This happened on XX/XX/XXXX. That debt was XXXX in a bankruptcy in XXXX. I contacted my lawyer who said to contact you. What is concerning is they had my name, number, address, date of birth, and full social security number and I do not know what to do about that? Can you please help me with the next steps?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: MD

Complaint narrative:
Credit card company stating at owe them money for credit card I never opened

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: MN

Complaint narrative:
The following account and hard inquiries currently listed on my Experian, XXXX  and XXXX XXXX credit report is a fraudulent and unauthorized account and not my hard inquiries : XXXX, {$250.00}, XXXX XXXX XXXX Collections account from XXXX XXXXXXXX XXXX XXXX XXXX {$220.00}, XXXX XXXX XXXX Collections account from Bank XXXX Missouri, {$350.00}, XXXX XXXX, XX/XX/year>, XXXX Bank XXXX, XX/XX/year>, XXXX XXXX XXXX XXXX, XX/XX/year>, XXXX XXXX XXXX XXXXXX/XX/year>, XXXX XXXX XXXX, XX/XX/year>, XXXX XXXX, XX/XX/year>, XXXX XXXX XXXX XXXX, XX/XX/year>, XXXX XXXX, XX/XX/year>

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 2025-09-07 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: OR

Complaint narrative:
I am writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

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 2025-09-07 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed inaccurate fraudulent accounts due to the national data breach and it is hindering my ability to obtain credit.

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 2025-09-07 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed inaccurate fraudulent accounts due to the national data breach and it is hindering my ability to obtain credit.

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 2025-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I previously contacted Apple Card/Goldman Sachs to dispute this late payment informing them directly that it was incorrect and reporting an arrow despite my efforts the last payment remained on my report, unfairly damaging my credit under the fair credit reporting act I am entitled to accurate and verifiable information since this item has not been corrected or validated it must be removed immediately to prevent further harm to my credit worthiness

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/year> Re : Dispute of Charge-Off Account : XXXX XXXX XXXX XXXX To Whom It May Concern, I request the 1099-C form I am writing to dispute the accuracy of a charge-off appearing on my credit report. The account is listed as : XXXXXXXX XXXX XXXX  Account Number : XXXX Reasons for my dispute include I believe the reporting is inaccurate and incomplete, which violates the Fair Credit Reporting Act ( FCRA ), Section 611.I request the XXXX Inaccurate account Number being reported : XXXX Request for IRS Form 1099-C Cancellation of Debt XXXXXXXX XXXX XXXX Account Number : Account Number : XXXX I request a copy of IRS Form 1099-C for the cancellation or charge-off of the above-referenced account. Please provide a copy of the form issued to the IRS If the form has not yet been issued, please confirm whether one will be sent, and the expected date of mailing. 

Thank you for your prompt attention to this matter I appreciate your prompt attention to this matter.

I am requesting that you : Conduct a thorough investigation of this account.

Provide documentation verifying the accuracy of the charge-off.

If verification can not be provided, delete this account from my credit file. 

Please provide me with written confirmation of your investigation results within the 30 days allowed under the FCRA. 

Thank you for your prompt attention. 

Sincerely, 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 2025-09-08 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: CA

Complaint narrative:
I am filing this complaint against Transunion for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXX XXXX XXXX Late Date XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Transunion, yet Transunion continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Transunion under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Transunion failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Transunions reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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