vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Subject : Systemic FCRA Violations by XXXX - Inaccurate Post-Closure Late Payments & Failure to Investigate Complaint Details : XXXXXXXX XXXX  ( furnisher ) continues reporting inaccurate, unverifiable late payments AFTER account closure, violating FCRA 623 ( a ) ( 1 ) ( A ) and ( a ) ( 5 ) ( A ). 


1. Core Violation : XXXX closed XX/XX/XXXX ( verified via Equifax report ). Despite closure, XXXX reports escalating late payments ( 30-180+ days ) from XX/XX/XXXX through XX/XX/XXXX to Experian ( see attached report excerpts ). A closed account can not incur new late payments.This is factually impossible. 


2. XXXXXXXX XXXX Contradictory Reporting : XXXX reports closure date to Equifax but simultaneously reports post-closure lates to Experian. This inconsistency proves inaccuracy. 



3. Failure to Investigate ( FCRA 623 ( b ) ( 1 ) ) : I have disputed this specific inaccuracy multiple times directly with XXXX and the credit bureaus ( CBRs ). XXXX failed to conduct a reasonable investigation, ignored the temporal impossibility of post-closure lates, and continues reporting false information. 



4. Pattern of Non-Compliance : This complaint supplements prior CFPB complaints. XXXX systematically ignores valid disputes and FCRA obligations. 



5. Legal Demand : XXXX must immediately : - Delete ALL late payments reported after XX/XX/XXXX ( the last possible valid reporting date before closure ).

- Update all CBRs  to reflect accurate closure date ( XX/XX/XXXX ) with NO late payments thereafter. 

-Report consistent and accurate information to all the credit bureaus or remove the account or all negative payment information immediately. 

- Provide written confirmation of corrections to all CBRs and myself. 



Harm : This inaccurate reporting severely damages my creditworthiness. XXXXXXXX XXXX  refusal to correct known inaccuracies constitutes willful non-compliance under FCRA 616. 



Attachment : Experian/Equifax report excerpts highlighting closure date vs. post-closure lates. 



1. FCRA 623 ( a ) ( 1 ) ( A ) : Prohibits furnishers from reporting inaccurate information. * Post-closure lates are inherently inaccurate.

2. FCRA 623 ( a ) ( 5 ) ( A ) : Requires furnishers to notify CBRs of account closure. XXXX did this with Equifax, Transunion, and Experian but ignored the implication for post-closure lates. 

3. FCRA 623 ( b ) ( 1 ) : Mandates a reasonable investigation upon dispute. XXXX ignored logical impossibility. 

4. FCRA 616 : Allows damages for willful non-compliance. * Cite your multiple disputes/CFPB complaints as evidence of willfulness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I am writing to formally file a complaint against OCWEN Loan Servicing for the continued and inaccurate reporting of a late payment that has caused unjust harm to my credit history and financial standing. 



Background and Account Information Creditor Name : OCWEN Loan Servicing Account Number : XXXX Account Type : Mortgage Opened : XX/XX/XXXX Status : Transferred, Closed ( as of XX/XX/XXXX ) Original Balance : {$320000.00} Terms : 31 years Responsibility : Individual Nature of Complaint Despite the account having been closed and transferred since XX/XX/XXXX, OCWEN Loan Servicing has continued to report a late payment on this account more than 10 years after the original delinquency, which violates the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA : A derogatory mark ( such as a late payment ) must not be reported more than 7 years after the original date of delinquency ( 15 U.S.C. 1681c ( a ) ( 5 ) ). 

This late payment reporting should have aged off my credit reports years ago, yet it continues to appear, damaging my credit score and reputation with lenders. 

I have no outstanding balance and no further obligation to OCWEN as the account was closed and transferred years ago. The continued derogatory reporting appears to be either negligent or malicious, and it constitutes a violation of federal consumer protection laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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:
This letter serves as a formal follow-up to my initial dispute ( Complaint # XXXX ) regarding inaccurate information being reported on my consumer credit report by Equifax, XXXX, and XXXX  for XXXX XXXX  ( Account XXXX : XXXXXXXX XXXX ) and XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). I am now invoking my rights under FCRA 611 ( 15 U.S.C. 1681i ), which mandates that consumer reporting agencies reinvestigate disputed information and provide a detailed description of the procedure used to determine the accuracy and completeness of the disputed items. Since your previous response returned the accounts as verified, I am now requesting the specific method of verification used to reach that conclusion, including the name and contact information of the furnisher, and the original source of the data used to verify the accuracy of the delinquency status reported. If you are unable to provide this information, or if the furnisher can not produce documented evidence bearing my original wet signature authorizing the reporting of such information, then per the FCRA, all contested items in my original dispute must be permanently deleted from the credit report you maintain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX TX XXXX INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: TX

Complaint narrative:
I do not recall authorizing these credit inquiries, and they may be fraudulent. I request that this matter be investigated immediately. Relevant documents are attached.

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 2025-08-05 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: CA

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 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 2025-08-05 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: Aldous & Associates, PLLC
State: WA

Complaint narrative:
We moved out and the property on XX/XX/year>. The property manager email me stating that we " owed '' utilities, months after we had moved out. I responded asking for the specifics after what we owed considering I had waited until the end of the month that we moved out for the charges to be posted and had paid. By this time, we were locked out of the portal so I couldn't even see what they were talking about. She said they forgot to take the money out of our security deposit since we had already received the refund. I followed my lease terms and paid all of the charges on my account at the end of the month that we had moved out. After which, we were denied access to the account. Again, I asked what the charges were. No response. Fast forward a month or two and I started receiving calls and texts from a debt collector. XXXX reported the {$75.00} XXXX  to a debt collector without responding to me explaining what the charges were for. After multiple attempts to contact the property manager and referencing WA law, she then admitted the charges were from AFTER we had moved out making them invalid. She then informed me that I could tell the debt collector that they removed the charges. Well, the debt collector told me that I couldn't inform them myself, and that XXXX had to. Once again it took multiple attempts from me trying to contact management practically pleading with them to call the debt collector and inform them that the debt was invalid and to please remove it before they reported the debt to the credit bureaus. The property manager said she would call. I continued to receive multiple calls and texts each week so I reached out AGAIN asking her to call them, to which she responded saying that she would. That never happened. After months of trying to get this resolved the debt collector eventually reported the debt to the credit bureaus dropping my credit score, although both TransUnion and XXXX  agreed the charges were invalid and removed it from my report. During this time, I have not received a response from XXXX or from XXXX XXXX XXXX in my attempts to resolve the issue as recommended before filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: GA

Complaint narrative:
Im requesting a goodwill adjustment from Nelnet regarding a 120-day late mark on my credit report for my federal student loan ( Account # XXXX ). 

This was my first scheduled payment, and I was unaware that repayment had resumed after COVID-related forbearances. I believed my loans were still deferred. 

When I noticed the delinquency on my credit report, I immediately contacted Nelnet and made the full payment on the exact date I promised. However, because I paid around XXXX XXXX the system did not process it until days later, resulting in the 120-day late status remaining on my credit. 

Ive since stayed current and have made every payment on time. This single mark is severely harming my ability to qualify for basic needs like transportation and housing, despite my effort to resolve the issue in good faith. 

Nelnet has denied my goodwill request, but I believe this situation deserves second-level review and reconsideration given the circumstances. 

Thank you for your time and for helping protect consumers like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: United PanAm Financial Corp.
State: NJ

Complaint narrative:
I obtained financing for a XXXX XXXX XXXX on XX/XX/XXXX, through a dealer in New Jersey. United Auto Credit Corporation is the lender. They processed a Retail Installment Contract showing a {$4000.00} down payment that I never paid. This falsely reduced the Amount Financed in violation of the Truth in Lending Act ( TILA ). 
They also used my Social Security number without my full consent regarding the terms of the loan. I was forced to purchase insurance to leave the lot, and this mandatory cost was not properly disclosed as part of the finance charge, violating federal law. 
I have asked United Auto Credit to cancel the contract and remove this obligation from my credit file, but they have failed to resolve the issue. 
I am requesting contract cancellation, correction of my credit report, and compliance with federal disclosure requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Summary of Complaint : On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX XXXX : XXXX ) from XXXX XXXX XXXX, financed through Santander Consumer USA XXXX Retail Installment Sale Contract attached ). I provided a down payment of {$5500.00}, with a total sale price of {$62000.00} at 11.56 % APR. 

Despite fulfilling my obligations, the vehicle was repossessed without proper notice, and my credit report now shows derogatory marks, including a repossession and multiple hard inquiries. This has caused significant financial harm and emotional distress. 

This constitutes : Unfair and Deceptive Acts and Practices in violation of the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ). 

Improper credit reporting and use of my personal information in violation of the Fair Credit Reporting Act ( FCRA ). 

Failure to provide proper disclosures and notices in violation of the Truth in Lending Act ( TILA ).

Breach of contract for failing to deliver on the agreed-upon terms.

Resolution Sought : Full refund of my down payment ( {$5500.00} ).

Restitution for the full value of the vehicle ( {$62000.00} ). 

Removal of all negative credit reporting ( including repossession records and hard inquiries ). 

Written explanation of the repossession and derogatory reporting. 

I request the CFPBs assistance in securing this resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern, This is a formal demand for the immediate deletion of the charged-off account bellow XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX from my credit report. The reporting of this account violates

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 2025-08-05 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: FL

Complaint narrative:
To Whom It May Concern, This is a formal demand for the immediate deletion of the charged-off account bellow XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX from my credit report. The reporting of this account violates

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: TX

Complaint narrative:
I am submitting this complaint with absolute certainty and growing frustration. There are numerous errors on my credit report that I can no longer ignore, as they are severely affecting my life and damaging my credit score. This is preventing me from achieving financial stability and freedom.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " U.S. Bankruptcy Court-VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court U.S. Bankruptcy Court that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " U.S. Bankruptcy Court-VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court U.S. Bankruptcy Court that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: PA

Complaint narrative:
Hi my name is XXXX XXXX XXXX and noticed multiple inaccuracies reporting on my credit profile in XX/XX/2025. I ask that you remove these inaccuracies immediately! I am a victim of identity theft. These accounts are not mine.

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 2025-08-05 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: PA

Complaint narrative:
Hi my name is XXXX XXXX XXXX and noticed multiple inaccuracies reporting on my credit profile in XX/XX/2025. I ask that you remove these inaccuracies immediately! I am a victim of identity theft. These accounts are not mine.

Company response to consumer: Closed with non-monetary relief