vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 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: SC

Complaint narrative:
I am submitting this complaint against the XXXX major credit bureausXXXX Equifax, and XXXXfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with XXXX XXXX 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Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of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 15 U.S.C. 1681i ( 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 : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( 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 XXXX XXXX XXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

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 XXXXXX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX  Equifax, and XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
Mr. Cooper sent us a notice that we needed to provide our insurance coverage to them. Mr. Cooper and NationStar Mortgage purchased our loan from our previous provider. We have had our home loan for XXXX years and never missed a payment. Our insurance has been adequate for over XXXX years until Mr. Cooper purchased our loan. I sent in proof of our insurance in XXXX. They sent another notice at the end of XXXX. I again sent proof through their website. I also personally emailed our insurance policy, sent a written letter and a copy of the policy, and I faxed it. I knew something was not right about this process. Today I was sent an email that said they purchased an insurance policy because mine was not adequate. They are billing me for that policy. This is certainly not right and can not be lawful. I owe around {$100000.00} on our loan. My house is worth between {$400000.00} {$450000.00} with no other XXXX. Our insurance is through XXXX XXXX. They are a financially sound insurance company. As a matter of fact, they paid me {$40000.00} for a new roof XXXX years ago. Please help with this situation. I didn't ask for this company to buy my loan. They are practicing policies that go against every grain of integrity that I have. This can not be legal. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
I received an alert that my credit score went down due to a collections account that opened in XX/XX/2025 with trans world systems. It was for something called citizens. I did not open anything. I do not have anything in collection and have not heard of either of these companies. No contact was made with me before placing on my credit report this debt is not mine. It needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: CO

Complaint narrative:
I am submitting this complaint regarding inaccurate and harmful credit reporting by EdFinancial Services on my federal student loans. 

Between XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX EdFinancial reported my account as late. However, I was granted an Economic Hardship Deferment on XX/XX/year>. During my communication with EdFinancial, I was specifically advised that these late reports would be corrected and removed from my credit history once the deferment was approved. Despite this assurance, the negative reporting remains on my credit report. 

This reporting is inaccurate and has caused direct harm. I am a full-time medical student at XXXX XXXX XXXX XXXX XXXX XXXX XXXX and due to these erroneous late payments, I was recently denied private educational financing. This denial jeopardizes my ability to continue pursuing my medical education and lifelong dream of becoming a physician. 

I am requesting that the CFPB require EdFinancial to : Remove the inaccurate late payment reporting from XX/XX/year> through XX/XX/year>. 

Correct my credit file with all major credit reporting agencies. 

Ensure compliance with the Fair Credit Reporting Act by providing accurate information to consumer reporting agencies. 

I have acted in good faith, maintained communication with my servicer, and relied on their assurances that these late marks would be removed. I respectfully ask for your assistance in resolving this matter so that my credit report reflects the accurate status of my account. 

Thank you for your attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
Company : XXXX XXXX XXXX XXXX XXXX 
Product : Home equity line of credit ( HELOC ) Date of issue : XX/XX/2025 I have a XXXX XXXX. XXXX charges a {$75.00} annual fee but does not allow me to pay exactly {$150.00} unless I request a payoff quote. If the {$150.00} is not paid, XXXX assesses penalties ; if I request a payoff, they add a {$190.00} full pay down fee. 

Today, XX/XX/2025, I attempted to pay off the HELOC in full. The system required a payoff quote and included the {$190.00} payoff fee. I immediately called customer service ( XXXX XXXX support ) the same day. The representative refused to ( XXXX ) accept a direct {$150.00} payment without a payoff request, ( XXXX ) reverse any penalties tied to the {$75.00} annual fees, and ( XXXX ) waive the {$190.00} payoff feedespite my same-day attempt to resolve this. 

I requested a written payoff statement and a fee reversal. I believe XXXX processblocking a straightforward {$150.00} payment online and forcing a {$190.00} full pay down fee to closeconstitutes an unfair practice that is not reasonably avoidable.

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 2025-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: MD

Complaint narrative:
I have XXXX separate mortgage accounts that are serviced by XXXX XXXX. My XX/XX/year> payments were mis applied. I made several calls and attempts to clear up the issue. I received several calls and letters in the mail about the incorrect payment. It took several weeks to clear up the mistake. I have proof of cancelled checks that the correct payments were made on time. XXXX XXXX has notified the credit agencies of a late payment resulting in my score dropping by XXXX points. I am requesting that XXXX XXXX acknowledge their mistake and contact all credit agencies in order to correct my credit score

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 2025-10-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
I had a car financed thru Santander. Car was totaled. I had full coverage and gap insurance thru Santander. My insurance paid there part. Gap left a balance in which shouldn't have been left. I Was in the process of taking Santander to court for this but we already in closing for a home. So take them to court and lose the contract with the house, or pay them and get the house. So I called Santander and we came to agreement. So I paid right then and there {$3200.00} for the account to be closed paid in full upon agreement. XXXX weeks later they updated my account to the credit bureaus, charged off but with a XXXX balance. That hit my credit for XXXX points for that. And I'm having problems with them fixing it. Their credit department is rude and unprofessional they will keep me on hold and even hung up on me after being on hold for XXXX minutes. I've been calling to get this matter solved and still no resolution an this is matter is holding me back from other opportunity 's after me an Santander came to a agreement and it was paid in full

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
Dear XXXX XXXX XXXXXXXX XXXX, I am submitting this letter as a formal complaint regarding ongoing credit reporting inaccuracies connected to my former auto loan with XXXX XXXX XXXX. This issue directly relates to the same servicing and reporting failures identified in the XXXX XXXX XXXX multistate class action settlement and Attorneys General Consent Judgment ( XXXX ), which addressed widespread problems in account handling, verification, and post-charge-off reporting practices. 

I was XXXX of the consumers affected by these same issues and have made repeated attempts over the years to obtain an accurate resolution through XXXX customer service and dispute channels. Despite those efforts, my credit reports continue to reflect derogatory payment history and a charge-off notation from that periodinformation that is inaccurate, incomplete, and inconsistent with the corrective measures required by the settlement. 

During the time this account was active, I faced an extraordinarily difficult personal and financial period that included a divorce, relocation, and job loss. Those hardships, combined with Santanders documented servicing irregularities, led to communication breakdowns and inaccurate reporting that still persist years after the loan was closed. 

Under the terms of the XXXX settlement, XXXX was obligated to implement enhanced credit reporting accuracy procedures and correct or remove improperly reported information on affected accounts. Given that I was directly impacted by those same errors, I am requesting that the following actions be taken : XXXX. Conduct a full reinvestigation and verification of all reporting furnished to XXXX XXXX and XXXX for this former loan. 
XXXX. Provide written documentation supporting any payment history, account data, or repossession records used to verify the tradeline. 
XXXX. Immediately correct or remove the tradeline if it can not be verified in full compliance with the Fair Credit Reporting Act ( FCRA 623 and 611 ). 

Please treat this as a formal complaint under both the FCRA and the XXXX XXXX XXXX XXXX XXXX XXXX, and provide written confirmation of receipt and the outcome of your review. If necessary, I am prepared to submit this documentation to the Consumer Financial Protection Bureau ( CFPB ) for further review. 

Thank you for your attention and prompt handling of this matter. I expect a written response within the XXXX period required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

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

Company 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 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: CA

Complaint narrative:
I went to the bank at XXXX XXXX XXXX XXXX, XXXX, CA XXXX out of the account ending XXXX and I requested {$500.00} from the ATM. The total came to {$500.00} and the ATM only dispersed {$60.00}. I went into the bank. I asked them to fix it accordingly and they told me I had to file a claim with within my bank because I did not bank with them. They did the dispute. I never received the provisional credit and they closed my bank banking account due to my account being negatively overdrawn {$500.00} because of the transaction that I had never received the money on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to re-dispute a late payment that has already been brought to the attention of the credit bureau and the furnisher but has not been corrected or removed, despite my previous request. 

Account Information : XXXX XXXX XXXX XXXX {$7600.00} XXXX XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX XXXX {$5800.00} XXXX XXXX XXXX XXXX {$4700.00} XXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$980.00} XXXX XXXX L XXXX {$7600.00} XXXX XXXX L XXXX {$6400.00} XXXX XXXX L XXXX {$6400.00} XXXX XXXX L XXXX {$5800.00} XXXX XXXX L XXXX {$4700.00} XXXX XXXX L XXXX {$3800.00} XXXX XXXX L XXXX {$3600.00} XXXX XXXX L XXXX {$2900.00} XXXX XXXX L XXXX {$1200.00} XXXX XXXX L XXXX {$980.00} XXXX XXXX L XXXX {$7600.00} XXXX XXXX L XXXX {$6400.00} XXXX XXXX L XXXX {$6400.00} XXXX XXXX L XXXX {$5800.00} XXXX XXXX L XXXX {$4700.00} XXXX XXXX L XXXX {$3800.00} XXXX XXXX L XXXX {$3600.00} XXXX XXXX L XXXX {$2900.00} XXXX XXXX L XXXX {$1200.00} XXXX XXXX XXXX XXXX {$980.00} This late payment is inaccurate and does not reflect my actual payment history. I previously submitted documentation proving that the payment was made on time ( or within the agreed-upon terms ), but the incorrect late mark remains.

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2025-10-08 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: GA

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

Company 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