vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Hey there! 

Recently, I discovered that my credit score dropped drastically from XXXX to XXXX due to a series of late mortgage payments reported by PHH Mortgage. These late payments are not only inaccuratethey are associated with a loan that I am not on or am legally responsible for. 

Here are the key facts : XXXX.I am not on the deed, title, or loan documents associated with the property in question. 
XXXXThe mortgage in question belongs solely to my parents, XXXX XXXX and XXXX XXXX XXXX 
3.The mortgage was originally with XXXX XXXX XXXXXXXX XXXX and unbeknownst to my family or me, it was transferred to PHH Mortgage XXXX any formal noticeno communication via mail, phone, or email. 
XXXX.Because the account was set to autopay from my parents bank account, they ( and I ) had no reason to suspect anything had changed. 
XXXX only became aware of the situation after I received a credit alert for missed payments to PHHpayments I was never responsible for. 
XXXX an effort to help my parents resolve the situation, I contacted both XXXX XXXX XXXXXXXX and PHH, at which point I was able to assist in bringing the mortgage current by paying the outstanding balance of {$17000.00} and re-enabling autopay on their behalf. 
XXXX representative at PHH explicitly assured me that the negative credit reporting would be removed now that the balance was paid in full. Unfortunately, that promise was not honored. 
XXXX have since spoken to multiple representatives at PHH, including multiple supervisors, who now claim there is nothing that can be donedespite the clear evidence that this reporting is inaccurate and harmful. 
XXXX am currently in the final stages of refinancing my own home and am being denied financing due to the credit damage caused by this incorrect reporting. 

Enclosed you will find : A mortgage statement showing my name is not listed Property deed documentation confirming that I have no legal tie to the mortgage or ownership of the property This situation has caused extreme financial and emotional stress and has affected my ability to access critical financing for my own homesomething I have worked very hard to maintain responsibly. It's also affecting my business as I can't have a low credit score to run business smoothly. Im urgently requesting that this negative item be removed entirely from my credit report as it is both inaccurate and unjustified. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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:
An account has appeared on my credit report that is completely unfamiliar to me. I have not initiated any new credit relationships with the organization shown, and I am certain this is the result of a mistake or identity misuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Maximus Federal Services, Inc.
State: OR

Complaint narrative:
According to Aidvantage, I missed a payment. I never received information about an upcoming payment, nor was the information I provided for future auto pays used. It wasn't until I received an update from my XXXX account that my credit score had gone down that I was eventually able to track down the cause. Now my credit score is saying there is evidence of serious negligence and I feel as though this shouldn't have been able to happen without aidvantage alerting me that my payment had been missed.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX Dear Sir/Madam, Subject : Request for Debt Validation I am writing to formally request validation of the debt referenced in your recent communication, which I believe to be in dispute. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide verification of the debt, including detailed proof of the amount owed, the name of the original creditor, and any other relevant information.

Specifically, I request the following : 1. The amount of the alleged debt.

2. The name of the original creditor.

3. A copy of the original contract or agreement signed by me, which authorized the debt.

4. Proof that you have the right to collect the debt, including any applicable account numbers and the chain of assignment, if the debt has been sold or transferred.

5. A complete payment history showing how the alleged debt amount has been calculated, including any fees or interest.

As per the FDCPA, you are required to provide this validation within 30 days of receiving this request. If you fail to do so, I request that you cease any further collection activities and report this debt as " disputed '' to the credit bureaus. I also request that any negative information reported to the credit bureaus be corrected or removed, if applicable.

Please note that until this information is provided, I do not acknowledge that this debt is valid, nor do I accept responsibility for any associated payments.

Kindly send your response to the address listed above. If you continue collection efforts without providing the required validation, I will consider filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CO

Complaint narrative:
Hi, My name is XXXX XXXX. I am a federal student loan borrower who attended XXXX University, one of the institutions listed in the XXXX v. XXXX class action settlement. I submitted my XXXX XXXX to Repayment application prior to XX/XX/XXXX, placing me in XXXX XXXX, which qualifies for automatic loan discharge without adjudication. 

According to the terms of the settlement, the Department of Education was required to discharge XXXX XXXX loans no later than XX/XX/XXXX. As of today, my loans have not been XXXX, despite being over six months past the deadline. My account with MOHELA shows [ Processing Discharge ] and has not changed. 

I have contacted MOHELA multiple times via email and phone without success. They have not responded to my written requests and are completely unreachable by phone. 

* I am requesting that the Department of Education : * Confirm that my loans were approved for discharge under the XXXX  v. XXXX settlement, * Expedite the implementation of my discharge, * Ensure that interest and any negative credit reporting are removed, and * Investigate MOHELAs failure to communicate or process my relief. 

Thank you for your time and attention to this matter.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-04 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. XXXX U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: GA

Complaint narrative:
I discovered fraud information on my Lexis Nexis report. As a victim of Human trafficking, I have the right to exercise FCRA law 605c. Which gives me the right to ask credit agency to remove or XXXX negative and or fraud accounts from my consumer profile. The dates reporting fraud addresses : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The dates reporting fraud insurance policies. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX. The dates reporting fraud insurance claims. XX/XX/XXXX, XX/XX/XXXX ( XXXX ) XX/XX/XXXX, XX/XX/XXXX ( XXXX ) ( XXXX ), XX/XX/XXXX ( XXXX ) ( XXXX ). The following reporting information is from department of drivers services. XXXX XXXX XXXX XXXX. XXXX incident date XX/XX/XXXX. Ohio XXXX XXXX XXXX XXXX. ( no date listed ). I sent Lexis Nexis documents of proof that I was a victim fraud. The company did not communicate with on this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-08-04 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken
State: CA

Complaint narrative:
Kraken, I can't withdraw my money. They restricted my account and asked me to take a photo of my bank card. I uploaded it, but they refused to review it and asked me to upload it again. I said I had already uploaded it, and they stopped responding. They don't have a phone number now, and I can't use their online customer service. Because my account has been restricted, I have no other options. I haven't heard from anyone about my money for a month.

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 2025-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have been a Chase customer since XXXX. This is my first ever complaint with them. Today i walked into my local Chase Brank ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) and been visiting them since XXXX. 
I had to get a XXXX signature as per XXXX Treasury requirements to liquidate my T-Notes. I provided my Chase Card to get verified, XXXX XXXX wanted to check if it could be done. 
The T-Bills were under my Name ( XXXX XXXX XXXX XXXX the post liquidation bank recipient would be Chase as was the purchase back in XXXX. I was the Chase bank account owner ( XXXX XXXX ). There was no second person involved in this transaction other than me. 
I was asked to bring proof of ownership of T-Notes, defying common sense. I attribute it to power trip. As per XXXX  signature process, i had shown Bank ID, Drivers License that it was me, proving it was me whose signature the bank would be attesting to? What gives?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: CA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit report all of which I did not initiate, authorize, or recognize. 
I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-08-04 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: AL

Complaint narrative:
I am writing to formally dispute an account that has been wrongfully reported under my name. I have never opened, applied for, or authorized any activity related to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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 inquiries were made without forewarning and could be unauthorized. Verify the documentation immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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:
Ive noticed an inaccurate late payment listing. Please investigate and correct.

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 2025-08-04 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:
Upon reviewing my credit report, I was surprised to discover a late payment on an account that I have managed responsibly over the years.

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 2025-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my XXXX  well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, XXXX  the urgency of this matter.

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 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: RI

Complaint narrative:
According to 15 usc 1681c2 and 1681s-2 you have broken the law by reporting this information on my report knowing its inaccurate.Remove this fraudulent information from my credit report immediately

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 2025-08-04 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: GA

Complaint narrative:
I am disputing multiple closed accounts that are still being reported on my credit reports from TransUnion, Experian, and XXXX. These accounts are outdated, unverifiable, or no longer meet the permissible purpose requirements under the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S. Code 1681c, accounts that are obsolete or past the 7-year reporting limit should no longer appear on my report. In addition, under 15 U.S. Code 1681b, the continued reporting of these closed accounts without my consent or a valid permissible purpose is a violation of my consumer rights.

This outdated and inaccurate reporting is negatively affecting my credit score and financial opportunities. I have attempted to resolve this directly with the credit bureaus but have been unsuccessful. I am requesting that the CFPB investigate this matter and ensure all non-compliant closed accounts are removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation