vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: NJ

Complaint narrative:
My auto lease account with XXXX XXXX XXXX ( account number ending in XXXX ) was repossessed in XX/XX/XXXX. However, the account stopped reporting to all three major credit bureaus Transunion as of XX/XX/XXXX. Since then, the account has not been updated to reflect the repossession, current balance owed, charge-off, or collection status. I initiated the lease in XX/XX/XXXX, and the vehicle was repossessed just over a year later. To date, I have not received any formal written notice from XXXX XXXX XXXXXXXX regarding the repossession, any post-repo deficiency balance, or any statement of disposition of the vehicle, which is a requirement under certain state laws and may impact credit reporting accuracy under the Fair Credit Reporting Act ( FCRA ). I contacted both the credit bureaus and XXXX XXXX XXXX directly to request updated reporting and an accurate status of the account. I asked for : Confirmation of the repo date The outstanding balance or deficiency amount The current status of the account ( e.g., charged off, in collections ) The reason the tradeline stopped updating after XX/XX/XXXX This issue violates multiple sections of the FCRA : Under 15 U.S.C. 1681s-2 ( a ), furnishers are required to report accurate and complete information. Under 15 U.S.C. 1681s-2 ( b ), upon receiving a dispute, they must investigate and correct any incomplete or inaccurate data. Under 15 U.S.C. 1681i, the credit bureaus must reinvestigate disputed information and update or delete any data that can not be verified. Because XXXX XXXX failed to provide any updates after XX/XX/XXXX, the tradeline is now inaccurate and incomplete. This misrepresentation harms my credit profile and violates the legal requirement to furnish accurate, complete, and updated information. As a result, I have suffered adverse credit decisions and limited access to credit. I respectfully request that the CFPB investigate this issue and require XXXX XXXX XXXXXXXX to : Properly update the tradeline to reflect the XX/XX/XXXX repossession Accurately report the current balance or deficiency amount, if applicable Indicate whether the account has been charged off, placed with collections, or sold Provide me with all required disclosures regarding the repossession and any subsequent financial obligations I am attaching copies of my recent credit reports and screenshots showing the reporting freeze since XX/XX/XXXX. I am also willing to provide further supporting documents upon request.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/year>, my account with Chime was unexpectedly placed on hold for suspicious activity, with no clear explanation provided. Since then, I have been unable to access approximately {$2000.00} of my own funds. I urgently need this money to complete the purchase of a vehicle, which is necessary for transportation for myself and my children, including getting them to school. Every attempt to send payment to the vehicle lender fails, and attempts to withdraw the funds from the ATM are also unsuccessful.

Every day, I contact Chime and ask to release my funds and I have called daily afterward to verify my identity, explain the urgency of the situation, and request the release of my funds. I provided all the requested documentation and confirmed my identity multiple times. Each time, I was told the issue would be resolved within 24 hours, but no action was taken. One representative stated they did not know why my funds remained blocked or when it would be resolved. No one has given me a timeline, escalation option, or meaningful explanation. 
This situation is causing serious financial hardship, delaying my vehicle purchase and preventing reliable transportation for myself and my children. I also have direct deposit scheduled to arrive soon and I am concerned I will not be able to access those funds either. 
I believe the ongoing hold, after repeated identity verification and without clear justification, is unreasonable and is denying me access to my own money. I am requesting immediate investigation, release of my funds, and proper access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
LVNV Funding is inaccurately reporting a debt that does not exist. This account originated with XXXX and was paid in full directly to XXXX. XXXX is correctly reporting the account as paid and closed on my credit reports. 

Despite this, LVNV Funding is reporting a separate collection account for the same debt and showing a balance owed. This is incorrect, misleading, and legally impossible, as there is no outstanding balance for LVNV to collect. The debt was never owed to LVNV and has already been satisfied with the original creditor.

This constitutes duplicate reporting, inaccurate reporting, and an attempt to collect a debt not owed, in violation of the FCRA ( inaccurate information ) and FDCPA ( attempting to collect a debt that is not owed ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
I applied for a loan modification. The bank ( SPS ) made up an excuse that because I am 12 months past due they won't help or approve a loan modification. Many people are in foreclosure and they are way past 12 months of late payments and they get reviewed and approved for modifications. I believe since I have equity in my home the bank knows this and they are trying to make up any reason to deny me to get the loan off their books. An SPS representative advised me this was the case. This is something SPS has been doing for years with people who have equity in their homes. This is unethical and unfair to me as a homeowner trying to keep my family in our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: TX

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

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 2025-11-25 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: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: HI

Complaint narrative:
I am contacting you again regarding a previous dispute I filed, for which I have received no adequate response and have seen no corrections reflected on my credit report. Despite ongoing monitoring, the inaccurate items I challenged are still being reported. This leads me to believe that TransUnion failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

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 2025-11-25 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: EQUIFAX, INC.
State: HI

Complaint narrative:
I am contacting you again regarding a previous dispute I filed, for which I have received no adequate response and have seen no corrections reflected on my credit report. Despite ongoing monitoring, the inaccurate items I challenged are still being reported. This leads me to believe that TransUnion failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo has restricted access to my funds for an extended period without providing a functional method to verify my identity or resolve the hold. 

I have been placed into the same identity-verification loop for months. Each time XXXX contact Wells Fargo, I am told to wait 35 days for a review, but the review never completes. When I call back, the process resets, and I am told to wait again. This cycle has repeated numerous times with no progress. 

Wells Fargo representatives keep directing me to complete verification at a Wells Fargo ATM, but there are no Wells Fargo ATMs within reasonable distance of my current location, making their requirement impossible to fulfill. Despite informing them of this, they provide no alternative solution. 

As a result, I have been completely unable to access my own legally held funds, and Wells Fargo has not provided any escalation path beyond scripted customer service responses. No supervisor or department with actual authority has been made available, and no one has offered a viable method of completing verification. 

This has caused direct financial harm. The bank is effectively holding my funds without process, without resolution, and without a lawful, accessible method to verify my identity.

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 2025-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Company : Portfolio Recovery Associates , LLC ( PRA ) Account Reference : XXXX XXXX account, last 4 digits : XXXX -- - Summary of Complaint : I am filing this complaint because Portfolio Recovery Associates ( PRA ) has violated the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

On a prior date, I mailed PRA a formal Debt Validation Request under FDCPA 15 U.S.C. 1692g. PRA has failed to provide any legally required validation, including : Proof that I owe the debt Documentation showing an itemized accounting of the balance Proof of ownership or chain of title from the original creditor A copy of any contract or agreement bearing my signature Despite not providing validation, PRA continues attempting collection by email and through other communications. This is a violation of FDCPA 1692g ( b ).

Additionally, PRA is reporting or attempting to report this unvalidated debt to credit bureaus, which violates FCRA 623 and FDCPA 1692e ( 8 ), as they are communicating unverified and potentially inaccurate information.

I also instructed PRA that all contact must be made only through USPS mail. They continue contacting me electronically, violating FDCPA

1692c ( c ). -- - Requested Resolution : 1. PRA must cease all collection activity until full validation is provided.

2. PRA must remove any negative reporting regarding this account from all credit bureaus.

3. PRA must communicate only through USPS mail as previously instructed.

4. PRA must provide written confirmation of compliance.

I respectfully request CFPB assistance in enforcing these requirements, as PRA is actively violating federal law and my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
I previously submitted a CFPB complaint on XX/XX/XXXX, regarding inaccuracies in my XXXX credit report related to my American Express account. Despite this, XXXX and AmEx as the furnisher, have continued to update my account with multiple conflicting charge-off dates and failed to correct prior inaccuracies. 

Today, I called XXXX  requesting a rapid rescore for my mortgage lender, as I am in the process of closing a home loan. Instead of resolving the inaccuracies, XXXX  updated my account with multiple charge-offs even though : I had submitted a formal dispute CFPB had received my initial complaint A certified demand letter to XXXX  had been delivered on XX/XX/XXXX This sequence of events suggests retaliation and willful inaccurate reporting, which violates FCRA 604 ( a ) ( 3 ), 609, and 623 ( a ) ( 5 ). Timeline of Events/ Violations Date : Event : XX/XX/XXXX Account officially closed. 
XX/XX/XXXX Verbal confirmation from American Express supervisor XXXX regarding closed account status. 
XX/XX/XXXX Official charge-off date for the account. 
XX/XX/XXXX XXXX  reports first charge-off date ( inaccurate ). 
XX/XX/XXXX XXXX  reports second charge-off date ( inaccurate ). 
XX/XX/XXXX XXXX  reports third charge-off date ( inaccurate ). 
XX/XX/XXXX CFPB complaint submitted documenting inaccuracies. 
XX/XX/XXXX Initial certified demand letter sent to XXXX. 
XX/XX/XXXX XXXX  receives demand letter. 
XXXX XXXX XXXX Called XXXX  for rapid rescore to support mortgage lender ; account updated with multiple charge-offs despite pending dispute and CFPB complaint. 

Red Flags/ Violations : Multiple charge-off dates for the same account violates FCRA 623 ( a ) ( 5 ). 

Updates occurring after formal dispute and CFPB complaint indicates potential retaliation. 

Failure to investigate properly despite documented evidence, verbal confirmation, and prior communication. 

Inconsistent reporting across bureaus : XXXX  reports a single charge-off in XX/XX/XXXX with estimated removal XX/XX/XXXX. 

Impact : Delayed my mortgage loan closing. 

Forced additional documentation and verification. 

Created unnecessary financial stress and hardship. 

Negatively impacted my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
This is a continuation of complaint XXXX, which was closed out despite the company not resolving the issue. I purchased a XXXX XXXX XXXX in Georgia in XX/XX/XXXX. I moved the vehicle to New York State ( " NYS '' ) in XX/XX/XXXX and need to register my vehicle in NYS for my NYS insurance to be effective. I still have ~9 months remaining on the loan, so Mazda Financial Services ( " MFS '' ) still has a lien on the vehicle. As such, they hold the title and per NYS law, need to provide a certified copy of the title and letter authorizing me to register in NYS. On my request in XX/XX/XXXX, MFS sent a certified copy of the title and their form authorization letter to the NYS department of motor vehicles ( DMV ). The NYS DMV has rejected the MFS authorization letter because it comes with conditions, while the NYS DMV has published criteria that strictly prohibits conditions in authorization letters. Since late XX/XX/XXXX to today ( end of XX/XX/XXXX ) I have repeatedly communicated the situation to XXXX and they have refused to provide a revised authorization letter that conforms to the XXXX XXXX 's standards. I have pointed XXXX directly to the place on the XXXX XXXX site where the criteria is published and they acknowledge their letter doesn't conform, but they refuse to revise their letter. As a result, XXXX 's inaction is preventing me from registering my vehicle in compliance with NYS law and is putting the effectiveness of my auto insurance in jeopardy. This criteria is published here : https : XXXX I am also attaching a PDF with the full criteria and a one-page PDF with the relevant language highlighted. I am also attaching the MFS authorization letter with the problematic language highlighted. MFS noted that on XX/XX/XXXX, their Title Resolution Department reviewed my concerns regarding the New York DMV not accepting the previous title relocation documents they provided. They note that on XX/XX/XXXX, they sent additional notarized documentation, but that was also not of a form acceptable to New York State. The issue remains open, I continue to be unable to register my vehicle, and MFS continues to stonewall my efforts to correct the situation. Most recently, on Friday XX/XX/XXXX, my wife and I spent 2.5 hours on the customer service line being passed around by several customer service representatives that offered no incremental documentation beyond what we have already received, which remains in non-compliance with New York State requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: SC

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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 2025-11-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
From XX/XX/2025 through XX/XX/2025, I was in a XXXX forbearance / VASP ( XXXX Servicing Purchase ) hardship plan on my XXXX-guaranteed home XXXX. 
In XX/XX/2025, the Department XXXX XXXX XXXX offered and I accepted a permanent XXXX modification with payments to resume on XX/XX/2025 ( later verbally adjusted by the XXXX  to XX/XX/2025 ). The XXXX  confirmed my acceptance into the program and told me I did not need to make payments until the new resumption date. No paperwork was ever sent to me or to the prior servicer despite multiple requests. 
In approximately XXXX XXXX, servicing of the loan transferred from XXXX to PHH Mortgage Services. 
Between XX/XX/2025 and XX/XX/2025, I made XXXX monthly mortgage payments ( XXXX, XXXX, XXXX, and XXXX ) directly to XXXX, who confirmed they would forward the funds to PHH Mortgage. 
As of XX/XX/2025, PHH Mortgage now claims I owe approximately {$19000.00} in arrears dating back to XX/XX/2025, refuses to recognize the XXXX VASP modification XXXX the adjusted XX/XX/XXXX resumption date, and states they have no record of any deal with the XXXX PHH has not credited the XXXX payments I made through XXXX and continues to report the loan as severely delinquent. 
I contacted the XXXX  Loan Guaranty Service directly ( XXXX ) in XX/XX/2025. The XXXX  loan technician confirmed on the phone that I was accepted into the VASP program before the XX/XX/2025 cutoff, that my file is still active, and instructed me to allow 30 days for processing and transmission to the new servicer. 
PHH Mortgage has failed to properly apply payments received during the transfer, failed to honor the XXXX-approved VASP modification XXXX and is attempting to collect amounts that should have been covered or deferred under the XXXX  program XXXX This appears to violate RESPA servicing rules ( 12 CFR 1024.35 & 1024.41 ) and XXXX  servicing guidelines.

Company response to consumer: Closed with explanation