vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-30 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$750.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$990.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-30 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: IL

Complaint narrative:
I checked my latest credit report and noticed multiple accounts that do not belong to me reporting fraudulent under me. These accounts are not mine and need do be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
I am submitting this complaint against the XXXX major credit XXXX, XXXX, and XXXX ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and XXXX industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under XXXX U.S.C. XXXX ( a ). 

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. 

Violations and Legal Basis : The following violations form the basis of this complaint : XXXX U.S.C. XXXX ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy XXXX U.S.C. XXXX ( a ) Failure to conduct a reasonable reinvestigation XXXX U.S.C. XXXX ( b ) Furnisher failure to correct or delete disputed information Metro 2 and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX SERVI XX/XX/XXXX, XXXX XXXX BANK XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX BANK XXXX XXXX XX/XX/XXXX, XXXX XXXX BANK XXXX XX/XX/XXXX, XXXX XXXX BANK XXXX XX/XX/XXXX. 

Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require Experian, Equifax, and TransUnion to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

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 2025-09-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I sent a Qualified Written Request / Notice of Error to PHH Mortgage on XX/XX/XXXX about my loan for XXXX XXXX XXXX XXXX, XXXX, IL XXXX. 

PHHs most recent response ( dated XX/XX/XXXX, referencing an earlier XX/XX/XXXX letter ) did not provide a full and accurate accounting of my loan history. 

Key issues : My records show {$240000.00} paid, including a {$140000.00} payoff wire on XX/XX/XXXX, yet PHHs XX/XX/XXXX statement shows only {$85000.00} YTD and a principal balance of {$140000.00} that does not reconcile with total payments. 
PHH claims {$21000.00} was in suspense on XX/XX/XXXX ; my payment history shows only about {$7000.00} suspense at the XX/XX/XXXX transfer from Ocwen to PHH. 
PHH added numerous legal/inspection/title fees during XXXX while I was in a loss-mitigation plan but has never itemized or justified them. 
PHH says a HAMP modification and HUD Partial Claim for {$47000.00} was executed XX/XX/XXXX but has not provided signed copies of the HAMP Modification Agreement, the HUD Partial Claim Note/Subordinate Mortgage, or a calculation showing how the {$47000.00} was derived. 
They have not explained how payments, suspense balances, fees, and escrow advances were applied to create their claimed payoff and partial claim amounts. 

Requested Resolution : Provide a complete life-of-loan payment application ledger showing allocation of every payment to principal, interest, escrow, fees, and suspense. 
Itemize and justify all fees and advances assessed since loan life starting with XXXX Provide executed copies of the HAMP modification and HUD Partial Claim documents. 
Correct the account balance if errors are found and remove any improper fees or charges. 
Suspend any adverse credit reporting or collection/foreclosure activity while this dispute is under investigation. 

I am filing because my Qualified Written Request was not fully answered and PHH continues to provide incomplete, inconsistent responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 * * * * * * * * * * 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 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
To Whom It May Concern, I am writing to formally request a copy of IRS Form 1099-C issued by your institution regarding the cancellation of debt associated with my account. 

I require this document for my tax records and accurate reporting to the Internal Revenue Service. If the form has already been issued, I kindly request that a duplicate copy be sent to the address listed above. If it has not yet been issued, I would appreciate clarification on when I can expect to receive it. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Bank of America Account ending in XXXX Claim # XXXX Amount : {$340.00} XX/XX/year> ( XXXX XXXX- XXXX XXXX XXXX XXXX called Bank of America on numerous occasions to receive documentation regarding the transaction listed above. The money was fraudulently taken from my account and there was no effort to inform me about this occurring. Not only did I not receive my funds, they also did not send me the appropriate correspondence when requested. I've called them several times. I also sent message to their social media feed so this issue can be resolved. I have not received a 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 2025-09-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Consumer Financial Services Solutions, Inc.
State: FL

Complaint narrative:
I have made payments of {$300.00} every XXXX weeks to cover the debt payments of {$560.00}. On XXXX I made a payment of {$1300.00} to cover the XXXX XXXX account that is enrolled with Beyond XXXX XXXX. Today - I logged in to {$10.00} in my account, no offer for XXXX XXXX and they can not tell me where my money went. I have not accepted any new offers. I have been making payments that equal {$38.00} more than what I owe every single month, which means that my {$1000.00} should NEVER have been touched due to the plethora of funds added to the account monthly. I have not been negative - I have not missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: AK

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX : XXXX XXXX Date : XX/XX/year> Subject : Formal Complaint Regarding Illegal Debt Collection Practices and FDCPA/FCRA Violations Dear Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) , I am submitting this formal complaint against Midland Credit Management for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Summary of the Complaint : * The agency is attempting to collect a debt and/or threatening legal action * * without first contacting me * * or providing the required * * written notice of debt validation * * as required under * * 15 U.S.C. 1692g ( a ) * *. 
* I did * * not receive any initial communication or written validation * * informing me of the alleged debt, the name of the original creditor, or my right to dispute the validity of the debt within 30 days. 
* Despite this, the agency has continued to pursue collection activity, and I believe this is * * a willful violation * * of the FDCPA. 
* In addition, this account may have been * * reported to the credit bureaus * * without proper verification, notice, or consent, which may also constitute a * * violation of 15 U.S.C. 1681s-2 ( b ) * * of the FCRA.

Details of the Account/Incident : Name of Collection Agency or Creditor : Midland Credit Management Alleged Amount Owed : {$2100.00} * Date First Noticed Collection XXXX How I Found Out : Credit Karma Have They Contacted Me Directly? : No Requested Resolution : * I request that the CFPB and FTC investigate this matter for noncompliance with federal law. 
* I request that all unverified and inaccurate collection activity be stopped immediately. 
* If the account has been reported to credit bureaus, I request it be removed until it is properly validated. 

I Can attach copies of my credit report, letters, or any relevant documentation to support my complaint, I have also sent a notice of them failing to provide legal matter in form of contact to me as well.. 

Thank you for your attention to this matter. Please confirm receipt of this complaint and let me know if additional documentation is required. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am unemployed and contacted PHH Mortgage to request HUDs Special Forbearance Unemployment ( SFB-U ) on my FHA-insured loan ( FHA Case # XXXX XXXX. 

On multiple occasions, including [ todays date ], PHH representatives have : Kept me on the phone for over XXXX hours and transferred me repeatedly ( at least 5 times in one call ). 
Refused to log my verbal request for Special Forbearance Unemployment, despite HUD Handbook 4000.1 allowing borrower attestation of unemployment to initiate the process.

Told me that option does not exist even though a month earlier they logged the same request verbally. 
Stated they can not code my account and would only leave a request in the computer, which leaves my account at risk. 
Pressured me to make a payment on day XXXX of delinquency without providing written assurance that my forbearance request was recorded. 

PHH is misrepresenting HUD rules and obstructing loss mitigation access, which places me at risk of wrongful delinquency reporting and credit damage. My loan is technically up to date only because I made a payment today under duress, fearing a XXXX late mark. 

What I want : XXXX. PHH must log and code my account effective [ todays date ] for Special Forbearance Unemployment. 
XXXX. PHH must provide written confirmation that my forbearance request is documented with todays date. 
XXXX. PHH must stop misrepresenting HUD policy and ensure consistent handling of FHA loss mitigation requests. 



Supporting Info : FHA Case # XXXX PHH Loan # XXXX HUD Complaint Ticket # XXXX ( already open with HUD 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 2025-09-30 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNT : XXXX # XXXX -- -- Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : Experian 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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNT : XXXX # XXXX -- -- Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : Experian 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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
At Santander bank branch located in XXXX XXXX NY XXXX, due to rude teller service during a transaction I said I will close this account and move my business to different bank, the teller and the branch manager without any solid reason blocked my account and froze my funds without any notice and when I requested the bank to close my account, they refused to do so due to blocked account, which I had no knowledge its been 10 days Ive been calling the bank to find reason for blocking my account they have refused to provide me with any explanation and keep on playing games by telling me to call back after 2 days from last 10 days.

Due to my frozen funds I am unable to pay bills and my rent, which will cause in my lease termination at my residence as per lease contract and put my whole family without a roof.

It has caused Extreme mental torture and financial difficulties due to Santander banks illegal actions.

I do not owe any money to the bank or any other organisation as IRS .. why is my funds frozen no one wants to provide me any money explanation.

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