vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Capital Accounts, LLC
State: IL

Complaint narrative:
They basically lend money that you have to keep paying back the same amount my credit score was not increasing rapidly I only had got cheaper sales when buying so it wasnt what I wanted the principal to do for me

Company response to consumer: Untimely response
Consumer complaint received 2025-10-25 00:00:00
Product: Mortgage — VA 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: UT

Complaint narrative:
In XX/XX/year>, my husband lost his job at the XXXX where he worked. We immediately contacted our mortgage servicer, XXXX, and were approved for a formal Special Forbearance Plan dated XX/XX/year> ( attached ). The plan stated we would pay XXXX mortgage and that payments for XXXX, XXXX, XXXX, and XX/XX/year> would be {$0.00}. XXXX told us those XXXX months would be added to the end of our loan, and that we would resume regular payments beginning XX/XX/year>. 



XXXX XXXX XXXX XXXX the forbearance endedXXXX sold our loan to PHH Mortgage. Since then, PHH Mortgage has refused to honor the active forbearance agreement and is demanding immediate repayment of the paused months, claiming we are in default. They are threatening foreclosure on XX/XX/year>, even though we followed the exact plan XXXX approved. 



> We have submitted multiple forbearance applications and spoken with PHH numerous times, but they keep delaying the review until after the foreclosure date. PHH will not accept our regular monthly payments unless we pay the entire lump sum upfront, which violates the terms of the forbearance we already completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-10-25 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: TX

Complaint narrative:
These inaccurate accounts are still appearing on my credit report and nothing has been removed. I am pleading that you go through the documents I submitted with complete care because I do not want to keep losing sleep over this.

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 2025-10-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing this new complaint due to a severe bad faith action by Regional Acceptance Corporation that occurred after I filed my first CFPB complaint ( # XXXX ). 

My first complaint disputed a {$14000.00} deficiency balance. I provided evidence that my repossessed vehicle was sold for {$6400.00}, a price far below its market value, and challenged Regional Acceptance to prove this sale was " commercially reasonable '' as required by law.

Despite an active CFPB investigation, Regional Acceptance acted in bad faith by selling this disputed debt to a new collection agency, XXXX XXXX, XXXX. I received a collection notice from XXXX XXXX dated XX/XX/year>. 

This sale of the debt is a direct violation of the dispute process for the following reasons : 1. Ignored Formal Dispute Letters : I sent multiple letters ( on XX/XX/XXXX and XX/XX/year> ) via certified mail. I never refused to pay ; I explicitly stated I would be willing to discuss a settlement only after they provided proof the vehicle was sold in a commercially reasonable manner. They never provided this proof.

2. Ignored the CFPB Process : My first CFPB complaint was officially " in progress, '' and the company had even responded on XX/XX/year>, stating they were " working on '' the issue and had " escalated '' it. They never mentioned in that CFPB response that they had already sold the debt or were planning to. Selling the debt while telling a government agency you are " working on '' resolving the dispute is the definition of bad faith.

3. The Sale Itself is the Violation : The act of selling a debt that is under formal dispute with a government regulator is an attempt to circumvent the legal process and harass me into paying a debt that has not been 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 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint to follow up on my previous dispute regarding several accounts that continue to appear on my credit report, despite being inaccurate, unverifiable, and unlawfully reported. I am requesting the permanent removal, not correction, of these items in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The continued reporting of these accounts is causing ongoing harm to my creditworthiness and violates federal law requiring fair and accurate reporting.

The following accounts remain in dispute : The account XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00} was reported as late despite being closed and paid. This information is inaccurate and can not be verified under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). This reporting also falls under 605B / 15 U.S.C. 1681c-2, as it may involve identity-related or fraudulent activity. I am requesting the permanent removal of this account from my file.

The account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00} is listed as charged off, yet there is no valid documentation verifying the legitimacy of this report. Under FCRA 611 ( a ) and FCRA 623 ( a ) ( 1 ) ( A ), the credit bureau must delete unverifiable or incomplete information. Additionally, 605B / 15 U.S.C. 1681c-2 protects against the continued reporting of fraudulent or erroneous accounts. I demand the deletion of this account from my report. 
The account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$7400.00} * * is inaccurately listed as charged off. The absence of a 1099-C form for a debt exceeding {$600.00} raises serious concerns regarding the accuracy and legal validity of the reported balance. Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], the bureau must ensure maximum possible accuracy in reporting. Because this account can not be verified, I am requesting its full removal from my report. 
The collection accounts XXXX XXXX XXXX XXXX XXXX  with a balance of {$1000.00} and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$180.00} * * are being reported without sufficient validation from the debt collectors. This violates FCPA 807 ( 15 U.S.C. 1692e ) and FDCPA 809 ( 15 U.S.C. 1692g ), which require debt collectors to provide proper validation upon request. Their continued presence also violates 605B / 15 U.S.C. 1681c-2 due to unverifiable and misleading reporting. I request their immediate and permanent deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 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: GA

Complaint narrative:
I am filing a complaint to follow up on my previous dispute regarding several accounts that continue to appear on my credit report, despite being inaccurate, unverifiable, and unlawfully reported. I am requesting the permanent removal, not correction, of these items in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The continued reporting of these accounts is causing ongoing harm to my creditworthiness and violates federal law requiring fair and accurate reporting.

The following accounts remain in dispute : The account XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00} was reported as late despite being closed and paid. This information is inaccurate and can not be verified under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). This reporting also falls under 605B / 15 U.S.C. 1681c-2, as it may involve identity-related or fraudulent activity. I am requesting the permanent removal of this account from my file.

The account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00} is listed as charged off, yet there is no valid documentation verifying the legitimacy of this report. Under FCRA 611 ( a ) and FCRA 623 ( a ) ( 1 ) ( A ), the credit bureau must delete unverifiable or incomplete information. Additionally, 605B / 15 U.S.C. 1681c-2 protects against the continued reporting of fraudulent or erroneous accounts. I demand the deletion of this account from my report. 
The account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$7400.00} * * is inaccurately listed as charged off. The absence of a 1099-C form for a debt exceeding {$600.00} raises serious concerns regarding the accuracy and legal validity of the reported balance. Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], the bureau must ensure maximum possible accuracy in reporting. Because this account can not be verified, I am requesting its full removal from my report. 
The collection accounts XXXX XXXX XXXX XXXX XXXX  with a balance of {$1000.00} and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$180.00} * * are being reported without sufficient validation from the debt collectors. This violates FCPA 807 ( 15 U.S.C. 1692e ) and FDCPA 809 ( 15 U.S.C. 1692g ), which require debt collectors to provide proper validation upon request. Their continued presence also violates 605B / 15 U.S.C. 1681c-2 due to unverifiable and misleading reporting. I request their immediate and permanent deletion.

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 2025-10-25 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Formal Demand for Deletion and Blocking of Inaccurate & Damaging Data 15 U.S.C. 
1681c-2 This is a formal legal notice demanding the immediate deletion and permanent blocking of all inaccurate, unverifiable, and harmful information being reported under my name and consumer file. 
Pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ), you are required by federal law to block and remove any item that is inaccurate, incomplete, or the result of identity misuse, data error, or any unverifiable reporting. 
Continued reporting of these accounts is a willful violation of federal consumer protection statutes and exposes your agency to civil liability and damages. 
The following negative accounts and inquiries are to be deleted and blocked from all three bureaus : Negative Accounts/ Collections/ Repossessions/ Charge-offs : - XXXX XXXX  {$19000.00} ( Repossession XX/XX/XXXX ) - XXXX XXXX XXXX {$14000.00} ( Repossession XX/XX/XXXX ) - XXXX XXXX {$8600.00} ( Charge-off XX/XX/XXXX ) - XXXX XXXX XXXX {$680.00} ( Collection XX/XX/XXXX ) - XXXX XXXX {$340.00} ( Collection XX/XX/XXXX ) - XXXX XXXX XXXX  {$4.00} ( Charge-off XX/XX/XXXX ) - XXXX XXXX  ( XXXX Payment Solutions ) {$9100.00} XXXX XXXX XX/XX/XXXX ) - XXXX XXXX {$530.00} ( Collection XX/XX/XXXX ) - XXXX XXXX {$680.00} ( Collection XX/XX/XXXX ) - XXXX XXXX XXXX XXXX Late 60 Days XXXX XXXX Account ) Unauthorized or Obsolete Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX CO XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX These items are unverified, misleading, and damaging to my creditworthiness. If you continue to report or reinsert these items after this notice, you will be in direct violation of federal law and subject to statutory penalties, civil damages, and legal action for willful noncompliance. 
You have 15 days from receipt of this letter to complete deletion and provide written confirmation of the removals. Failure to comply will result in formal complaints filed with the CFPB, FTC, and State Attorney General and pursuit of civil remedies under the FCRA and FDCPA. 
Sincerely, 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 2025-10-25 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: SC

Complaint narrative:
This letter serves as formal notice that your prior investigation response regarding the disputed accounts on my credit file was incomplete and noncompliant with your obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). 

You stated that the information was verified by the furnisher. However, you failed to provide documentation of the method of verification, or any proof that the furnisher provided legal authorization or contractual evidence supporting their right to report my personal information to your bureau. 

Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), you are required to disclose the method of verification upon request. Therefore, I am now formally demanding : The name, address, and contact information of the person or entity that verified the disputed items.

A complete description of the documentation or records relied upon to verify the account.

Proof of authorization for the furnisher to report my private transactional data to Experian under 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ). 

Because you did not verify the legal right of the furnisher to report, and merely repeated their assertion, your reinvestigation was not reasonable as defined by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. 1997 ), which held that a credit bureau can not merely parrot information from the furnisher and call that verification.

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 2025-10-25 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: TX

Complaint narrative:
It is very upsetting to see that inaccurate late payments are still listed on my credit reports today, and I can not understand the reason. Refreshing my browser did nothing to remove them. I am asking that all the documents I provided be fully checked immediately so I can finally stop stressing over this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-10-25 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: IL

Complaint narrative:
I am writing pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681c-2, which grants consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA : 1. Identity Theft XXXXXXXX XXXX XXXXXX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

2. Identity Theft XXXX XXXX XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

3. Identity Theft XXXX XXXX XXXXXX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

4. Identity Theft XXXX XXXX XXXXXX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

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