vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
XX/XX/year> Subject : Response to Complaint and XXXX for XXXX Dear XXXX Rez ; In response to your letter regarding the complaint filed against you, please be advised that I have made several attempts to contact you via phone and email over the past several months, as stated in my previous response. 
Enclosed, you will find a copy of an email I received on XX/XX/XXXX indicating that my completed package was received. However, on XX/XX/XXXX, I received another email stating that my package was missing documents and that a letter would be sent to me regarding this issue. I immediately responded by email asking for clarification on what documents were missing, but to date, I have not received a response. 
This situation perfectly exemplifies the misinformation and confusion I am experiencing. How am I expected to respond in good faith when, within a span of XXXX days, I am told my package was complete and then suddenly told documents are missing? 
At this point, I am being advised by an attorney to consider filing for bankruptcy in order to work out a plan with youdespite my ongoing efforts over several months to resolve this matter directly, which have been met with repeated delays and inconsistent communication. 
I once again request a detailed response via email so that I may respond accordingly. Additionally, I am requesting a fair and thorough review of this matter. 
Thank you for your attention to this important issue. 
Sincerely, 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 2025-08-06 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:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance. 

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: CA

Complaint narrative:
In checking my Equifax credit report I noticed that my score dropped drastically. I went into the report to find the issue since I make all my payments on time, in full with my other cards. I have and had no late payment or deliquent on any of my accounts, To my surprise there was an account opened on XXXX of 2024, I have not applied or opened any new credit card accounts. It shows a very low credit line, unlike my current cards I use. Some payments were made and then no more. I have never received. card from XXXX XXXX. I have never received XXXX statement in the mail or via email. This is not my card or my account! It has seriously ruined my credit and needs to be removed immediately! 
When I contacted XXXX XXXX they could not even find my account! I have since put a fraud alert on all my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
This issue is related to a previous complaint I submitted, CFPB Complaint # XXXX. That case was closed before I had the opportunity to provide my full response. 

In XX/XX/XXXX, I was the victim of a scam involving XXXX unauthorized transactions on my Apple Card, issued by Goldman Sachs Bank USA. I immediately disputed the charges and provided the necessary information. The bank issued temporary credits while investigating but ultimately denied the dispute, citing that the transactions were authenticated with XXXX ID or fingerprint. 

However, authentication does not equal consent this was a case of social engineering, where I was tricked under false pretenses. The account was charged off on XX/XX/XXXX, for {$2000.00}. I reopened the disputes multiple times between XXXX and XXXX, and acted in good faith to resolve the issue. 

Goldman Sachs now refuses to remove or amend the charge-off on my credit report. I am requesting a fair reconsideration, based on the fact that I was the victim of a scam, submitted disputes and documentation promptly, and cooperated fully with the bank throughout the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services
State: CA

Complaint narrative:
Subject : Request for Refund of Canceled Insurance Charge To : Lendmark Financial Services Customer Service From : XXXX XXXX Loan Number : XXXX Date : XX/XX/year> Dear Lendmark Representative, I am writing to formally request a refund for the {$590.00} insurance charge that was added to my vehicle loan. According to my records, this insurance has been canceled, but I have not received any refund, nor do I see that any credit has been applied to my loan balance. 

Please provide the following information in writing : 1. The exact name and type of the insurance product that was canceled.

2. The date the insurance was canceled.

3. The total refund amount I am entitled to.

4. Whether the refund was applied to my loan balance or will be issued separately.

5. When I can expect to receive the refund, if it has not yet been processed.

I would appreciate a prompt response. If I do not hear back within a reasonable time, I may escalate the issue to the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: COOLEY ENTERPRISES INC
State: TX

Complaint narrative:
I was at XXXX XXXX XXXX of XXXX Saturday XXXX to buy a truck for my husband and filled out a credit app. After sitting there for hours waiting on finance to fix their system or whatever excuse they had for taking so long, I told the salesman I would not be continuing and left. 
My Experian and XXXX app just notified me they have continued to run my credit XXXX, XXXX and again today XXXX. 
I called to ask what is going on, and XXXX was unprofessional, rude, and kept cutting me off, then he said he didnt know why the bank does that. As soon as i mentioned retaining an attorney, XXXX XXXX told me he has no obligation to speak with me any longer and hung up.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Failure to notify the XXXX XXXX XXXX of XXXX in written or verbal communication. Which has cause false reporting to collection agency. Also has violated my customer rights with the accounts from XXXX XXXXXXXX  ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  ) with false late payments reporting. Failure to abide by my customer rights with law 15 USC 1681c-2 and falsely reporting information to my collection agencies.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
i am disputing an account on my XXXX credit report that is being inaccurately and misleadingly reported by both XXXX and Credit Corp Solutions XXXX XXXX. 

The account details are : Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Credit Corp Solutions XXXX XXXX. 

Account Number ending in : XXXX Reported Balance : {$830.00} Date Opened : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Account Type : Open Line of Credit ( but status is Closed ) Issues : The Date of First Delinquency ( XX/XX/XXXX ) is XXXX months before the Date Opened ( XX/XX/XXXX ), which is chronologically impossible and violates the Fair Credit Reporting Act ( FCRA ) requirements for accuracy ( 15 U.S.C. 1681e ( b ) and 1681i ( a ) ).

The account is listed as an Open Line of Credit but is also marked Closed with a balance owed. This contradictory classification is misleading and inflates my active debt, harming my creditworthiness. This also violates FCRA accuracy requirements.

Credit Corp Solutions is a debt buyer and has failed to provide me with original creditor documentation, such as a signed contract from XXXX XXXX XXXX XXXX payment history, or proof of assignment, which is required under both the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). 

I demand that Experian delete this inaccurate and unverifiable information unless proper documentation is provided, per 15 U.S.C. 1681i ( a ) ( 5 ) and 1692g ( b ). 

I have attached my formal dispute letter, proof of identity, and a copy of my credit report showing these inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
b'My online banking access was blocked, I tried to call customer service to unlock it but I dont know my account number, and Im not US redisent so I dont have SSN.\nThe answer from customer service was we cant help you.\nI Opened this personal checking account on XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX  With the banker XXXX XXXX used my phone number XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: VA

Complaint narrative:
This letter serves as a formal follow-up to my initial dispute XXXX XXXXXXXX regarding inaccurate information being reported on my consumer credit report by Equifax, XXXX XXXX XXXX for 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-06 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: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: OR

Complaint narrative:
Collection agency re-aged account with a last payment date of XX/XX/XXXX to XX/XX/XXXX leading to credit denials/less favorable credit terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: TX

Complaint narrative:
I am writing to formally dispute the inaccurate, unverifiable, and noncompliant information being reported on my Experian consumer credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Act ( CFPA ), and citing direct violations confirmed by the CFPBs XX/XX/XXXX lawsuit against { CREDIT BUREAU } * * I am a victim of malpractice and broken laws based on the XX/XX/XXXX lawsuit against { CREDIT BUREAU } }. * * And Im also filling this complaint due to Experians repeated violations of federal consumer protection laws, failure to process my identity theft claims, reinsertion of accounts without notice, and continued reporting of inaccurate and noncompliant credit data. Despite multiple formal disputes, Experian has failed to meet its obligations under : - 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation - 15 U.S.C. 1681i ( a ) ( 2 ) Failure to forward all submitted documentation to furnishers - 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy - 15 U.S.C. 1681c-2 Failure to block fraudulent accounts upon identity theft report - 18 U.S.C. 1028 Identity Theft and Assumption Deterrence Act - FACTA Fair and Accurate Credit Transactions Act of 2003 - Metro 2 Compliance Standards Personal Information Inaccuracies Experian continues to list fraudulent and inaccurate addresses on my credit file, despite receiving my government-issued ID and utility documentation. The only valid address that should appear is listen in the letter All others are the result of identity theft or Experians data mishandling.

Accounts Reported in Violation of Federal Law LIST ACCOUNTS HERE : { Account Balance Date Opened Type Violations American XXXX XXXX {$40000.00} XX/XX/XXXX Auto Loan Reinserted without notice ( FCRA 1681i ( a ) ( 5 ) ( B ) ), Failure to investigate identity theft ( FCRA 1681c-2 ), Metro 2 violation, Failure to conduct reasonable reinvestigation ( FCRA 1681i ), Failure to maintain accuracy ( FCRA 1681e ( b ) ) Accounts reinserted without MOV or consumer notice, Metro 2 violations ( codes 30/31 ), FCRA 1681c-2 and 1681i ( a ) ( 2 ) violations Pattern of Misconduct { CREDIT BUREAU NAME } Lawsuit Reference This is not isolated. The CFPB filed suit against { CREDIT BUREAU NAME } in XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ) for failing to forward disputes, illegally reinserting accounts, and disregarding identity theft claims the very same conduct Im reporting here. I am directly experiencing the same violations as outlined in that case

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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:
These accounts were not opened by me and are signs of fraud. As mandated by USC 1681g, please delete them within 15 days. Evidence has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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 writing to you as the holder of account number XXXX for my auto loan to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S code 1666b and other relevant sections of the Fair Credit Reporting ACT ( FCRA ) .Additionally, the FCRA , specifically sections 15 U.S. Code 1681i and 15 U.S Code 1681s-2.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. 
Below are the details of the affected payments : Date of reported late payment : XX/XX/XXXX XX/XX/XXXX 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 2025-08-06 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: IL

Complaint narrative:
I never opened these accounts, and they are a result of fraudulent activity. I expect their removal from my credit profile within 15 days per USC 1681g. Evidence is enclosed.

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 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: MA

Complaint narrative:
I disputed two charges from Prime Corporate Services for services that were never delivered : {$3600.00} ( Dispute XXXX XXXX, denied XX/XX/year> ) {$2800.00} ( Dispute XXXX XXXXXXXX, denied XX/XX/year> ) I submitted a formal rebuttal with supporting evidence on XX/XX/year>. However, Discover did not acknowledge or review my rebuttal until I followed up nea

rly 3 weeks later. When they finally responded, they stated the rebuttal could not override the merchants documentation unless I provided proof a refund had already been issued which defeats the purpose of disputing a charge for services not rendered. I believe Discover failed to fairly investigate both disputes, ignored my supporting documents, and sided with the merchant despite clear evidence that no service was provided. I am requesting a full review of both transactions and a reversal of the combined {$6500.00} in charges.

Company response to consumer: Closed with explanation