vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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: CO

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
Shellpoint mortgage purchased a mortgage that is fraudulent.

1 ) Mortgage payments were refused - thus the mortgage violated their contractual duty to me- the homeowner 2 ) Loan Modifications were granted without my consent and signature 3 ) Loan company removed me from the mortgage then put me back on the mortgage - no new mortgage created, no approval or knowledge from me.

4 ) Numerous communications that I was not privy too and thus requesting ALL communications be provided from the creation of the mortgage.

5 ) Denied my 1st loan modification - the reasons given for the DENIAL was A PREVIOUS LOAN MODIFICATION AND A HARDSHIP LETTER NOT PROVIDED. This was my 1st loan modification requested and a hardship letter was provided. Even their reasons for Denial is Fraud.

The lending company/underwriter 's have all committed fraud to some extent and this mortgage has been mishandled numerous times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
This is the previous company that bought this debt from XXXX. XXXX XXXX XXXX has reported a debt of {$1700.00} to my credit profile on XX/XX/year> related to T-Mobile. I did not receive any prior communication regarding this matter. I have never had a bill with XXXX approaching that amount, and I was recently threatened via email by an entity identifying as " Attorney Law LLC. '' The practices of this company are concerning, as they can significantly impact an individual 's credit standing, which is essential for securing housing, transportation, and rental or borrowing opportunities. I kindly request that this matter be investigated, as it is causing substantial financial and emotional distress. Additionally, they have not provided any documentation to verify the validity of the account or evidence of any investigation regarding this debt. XXXX has placed this account back on my credit causing significant financial hardship and emotional distress. This account debt is not owed by be and it is showing late payment. Dates are incorrect reporting along with the total amount of debt. This is going against consumer and case laws

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
PHH Mortgage provided false and contradictory information in multiple CFPB cases and to XXXX. Their representative, XXXX XXXX, claimed PHH has no record of receiving my Qualified Written Request ( QWR ). This is false.

My first QWR was submitted through the CFPB portal itself, so PHH absolutely did receive it. In addition, I have direct proof PHH acknowledged, opened, and responded to the QWR on XX/XX/year>, including multiple confirmation emails and a secure Research Response Letter. PHH can not claim no record exists when their own system confirmed receipt and opened a research workflow. 

PHH is also refusing to explain a serious loan renumbering/title defect involving two different loan numbers, and their escrow, suspense, foreclosure, and HUD Partial Claim accounting contradicts their own prior letters, their IDFPR responses, and basic RESPA requirements. These inconsistencies raise concerns of bad-faith servicing, dual tracking, and intentional avoidance of federal disclosure obligations. 

XXXX XXXXXXXX XXXX, Illinois Attorney General, and IDFPR are already aware of the case and are expecting PHHs complete RESPA response by XX/XX/year>. PHH is aware of this deadline. 

I am intentionally not attaching my full evidence packet, because PHH has already acknowledged receipt of my QWR and federal law requires PHH to produce the complete life-of-loan servicing file directly. PHH must provide ALL servicing records, escrow ledgers, suspense logs, payoff documents, partial claim details, and the full accountingnot rely on consumer-provided documents. 

Because PHH has issued false statements to a federal regulator, contradicted its own records, and refused to address core servicing errors, I am requesting immediate supervisor-level review and that XXXX XXXX be removed from this file entirely. 

Loan Numbers : Ocwen Original Loan : XXXX PHH Modified Loan : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: IN

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: MN

Complaint narrative:
There are multiple addresses on my credit report that Im not associated with.

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 2025-11-28 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: KY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-28 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: KY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-28 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: FL

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX  - Acct # XXXX - charged off - Closed - Balance {$880.00} XXXX  XXXX XXXX - Acct # XXXX - charged off - Closed - Balance {$1200.00} XXXX - Acct # XXXX - charged off - Closed - Balance {$0.00} XXXX XXXX  XXXX  - Acct # XXXX XXXX XXXX XXXX XXXX - XXXX  account - Balance {$460.00} PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX XXXX - Acct # XXXX - 16 late payments - Closed XXXX XXXX XXXX XXXX XXXX - Acct # XXXX * * * * - 30 days past due - 2 late payments

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 2025-11-28 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:
On XX/XX/XXXX I noticed unauthorized accounts on my credit report that I never opened. These accounts were created without my permission or awareness and seem to be the result of identity theft or misuse of my personal information. The fraudulent accounts include : XXXX - XXXX opened on XX/XX/XXXX XXXX  XXXX XXXX XXXX - opened on XX/XX/XXXX 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, I transferred {$5000.00} from my XXXX account ending in XXXX to my Capital One 360 checking account ending in XXXX. Immediately after, I requested a wire from my Capital One account to my XXXX account ending in XXXX. 

Later that same day, a Capital One fraud specialist contacted me. Instead of simply verifying the transaction, the representative questioned why I was suddenly using my Capital One account instead of my XXXX account, implying that my own activity was suspicious. My transaction was flagged as fraud without any valid reason, even though the funds were transferred directly from my verified XXXX account. 

I was instructed to upload the front and back of my ID and submit a live selfie to remove the block on my account. After completing everything, I was told I still needed to appear in person. This was extremely inconvenient, yet I complied. 

On XX/XX/year>, I visited the Capital One XXXX XXXX  in XXXX. Despite providing valid identification in person, the representative repeatedly questioned me in a way that made me feel targeted, confused, and treated as though I was not the rightful account holder. 

I returned again on XX/XX/year>, and the same pattern continued. I was asked the same questions over and over, despite already verifying my identity multiple times. This behavior feels like elderly interrogation, harassment, and discriminatory treatment, especially considering I was only trying to unblock my own account and approve my own transaction. 

Even after complying with every request, I was told that a fraud specialist still needs to review the account, and they continued to insist the transaction was fraudulent. I came to the branch specifically to clear the restriction and verify the transaction, yet Capital One repeatedly dismissed my explanations and treated me with suspicion instead of respect. 

I believe Capital Ones actions were unreasonable, discriminatory, and prejudicial, and they improperly restricted access to my legitimate funds without justification, causing stress, delays, and financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: FC HoldCo LLC
State: OH

Complaint narrative:
On XX/XX/year>, I purchased a vehicle through XXXX XXXX XXXX XXXX in XXXX, OH, and the loan was arranged through Flagship Credit Acceptance. I am filing this complaint because the dealership and lender failed to properly disclose the APR, finance charges, total loan cost, and other critical terms before I signed the contract.

I was not shown a clear breakdown of the APR or the true cost of the loan until after signing. I later discovered the APR was 25 %, resulting in an extremely high monthly payment of {$520.00}. This rate and payment amount were never accurately explained or disclosed during the sale.

I requested information from both the dealership and Flagship Credit Acceptance regarding how the APR and payments were calculated, what fees were included, and whether any add-on products or service contracts were added without my knowledge. Neither company provided clear or complete information. Flagship referred me to different departments without giving the requested documents or explanations.

Because the terms were not properly disclosed, and the dealership used misleading information to get me to sign the contract, I believe the loan was obtained under deceptive and unfair practices. This violates the Truth in Lending Act ( TILA ), the Consumer Sales Practices Act ( CSPA ), and federal consumer protection laws.

I am requesting full investigation and resolution, including review of the dealerships actions, Flagships disclosures, and the accuracy and legality of the loan 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 explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am disputing a repossession account currently being reported under XXXX as inaccurate and unlawful. The creditor failed to provide me with the legally required Right to Redeem notice before selling or disposing of the vehicle, as mandated under UCC 9-611 and applicable state laws. I never received this notice, which violated my rights and disqualifies them from collecting any deficiency balance. Because of this failure, the reporting of this repossession and any remaining balance is inaccurate, misleading, and damaging to my credit report. Furthermore, under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information must report accurate and complete data, which they failed to do in this case.

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 2025-11-28 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: TX

Complaint narrative:
I am filing this complaint because Experian is reporting inaccurate, incomplete, and inconsistent information for the XXXX XXXX account ending in XXXX. I disputed the account and Experian responded that the item was verified and will remain, but they did not provide a proper Method of Verification under FCRA 611 ( a ) ( 7 ). Instead of verifying the information, Experian simply updated some fields, which appears to be an attempt to refresh or re-age the account without documentation.

Experians updated reporting is factually inaccurate : Payment history contains gaps ( XXXX ) mixed with delinquency codes ( 30, 60, 90, 120, 150 ) and a charge-off. A creditor can not selectively report delinquencies without complete payment data. This violates FCRA 607 ( b ).

Experian is reporting the account as charged off AND showing a past due amount of {$1600.00}. Once an account is charged off, the past due amount can not continue to accumulate. This is inaccurate and misleading. 

Highest balance is reported as {$1600.00} while the original credit limit is {$1200.00}, and Experian did not provide any documentation supporting this increase despite my dispute and MOV request. 

Experian did not provide the name, contact information, documentation, or verification method used during their reinvestigation, which is required under FCRA 611 ( a ) ( 7 ). 

Experian updated the account during my dispute in XX/XX/year> but did not provide any factual basis or supporting documentation for the changes, suggesting an unreasonable reinvestigation. 

My MOV request asked for : Verification method Name of party contacted Documentation used Date/time of verification Experian provided none of this information. 

Experian and XXXX XXXX  are reporting contradictory, incomplete, and inaccurate information and have failed to verify the account as required. I am requesting that the CFPB require Experian to either provide full documentation supporting the accuracy of this account or delete the account entirely for failing to comply with FCRA 607 ( b ) and 611.

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 2025-11-28 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:
To Whom It May Concern : I am writing to dispute an inaccurate late payment being reported on my TransUnion credit file. This dispute is made under FCRA 611, as the account information appears incorrect, incomplete, and potentially not in compliance with Metro 2 reporting standards. 

Account in question : Creditor : XXXX XXXX  Reported Status : 30 Days Late Reported Date of Delinquency Window : XX/XX/year> through XX/XX/year> 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 2025-11-28 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing a complaint against my loan servicer, XXXX, for inaccurately reporting multiple late payments on my credit report. 

I was repeatedly told by loan officers at XXXX that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with XXXX, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

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 2025-11-28 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: PA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center 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 non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
I took out a loan against my vehicles title from a company call check and cash inXX/XX/XXXX. I was paying on time and paying on the principal leaving a balance of {$3300.00} when the loan was turn over to Title Maxx. Ever since Title Maxx took over, I have never been able to pay down on my loan. All I pay is interest and as I was told that Im paying a 30 days pound to secure my vehicle. Before Title Maxx took over I was paying off my loan and would have finished if they didnt bought my loan from the other company. I be paid at least 3 times what I narrowed and still I see no end to this loan. Someone please help me! ImXX/XX/XXXXXXXX women living on a fixed income. 
Thank you in advance. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation