vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
I have requested a mortgage assistance since XX/XX/XXXX, I have jumped through all hoops they have provided. Which has resulted in me filing three different mortgage assistance applications with them. They always have an excuse of why they haven't processed it. 
1. their phones have the message " due to unforseen technical difficulties we are unable to take your call at this time '' 2. I sent the documents they request in full to their email they request them to be sent to- they claim they can not view them which results in me having to send them in different formats only for them to claim they still can not view them 3. I pay to have them faxed and have proof they are legible and sent and delivered to which they claim again- they can not read them 4. I then spend {$25.00} to send them through XXXX tracked and verified they are delivered for them to them say they need 3-5 days to process and they will let me know if they need anything else, I then call them after not hearing anything to be told that the " FINAL '' piece of information they needed was a letter from me address why we defaulted to be printed, signed, and emailed to them. Which was completed and sent in. To which again I was told I would receive a call if they needed anything else. 
5. I receive a call from them AFTER the fact that they again denied the mortgage assistance claiming they were missing another letter they were wanting. THE ONLY ISSUE IS THEY NEVER NOTIFIED ME THERE WAS ANOTHER LETTER NEEDED. They denied the application the same day the document was due which was XX/XX/XXXX and the SAME day they stated it was needed. When I attempted to send it in, they stated I had to REAPPLY for the mortgage assistance again. On the same call I was told this could not be done on the phone but online. 
6. I log into the portal today to start this process AGAIN only to not be able to do it online which results in me calling them for 40 minutes again to get the process started to just set up a payment plan with them. To which I am told they can't do it over the phone, and since I can't do it online, a manager will need to call me back. Now mind you, they have said a manager will call be back since XXXX and it has never happened. I am stuck becasue I can't get the application processed, they mess with you, I can't even make a payment unless it's through certified funds and the entire past due amount, and I can't get anyone to help me. My husband is a XXXX XXXX XXXX XXXXXXXX vet, and he has had health issues the last year which has resulted in loss of income and incurred unforseen costs and we are fighting to do the right thing and can't get any help what so ever. I have never experienced anything like this in a mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I have been a satisfied account holder with PayPal for ~20 years without issue. On XX/XX/year> I received two email notifications from PayPal that they had processed two high dollar transactions to my debit. I have never heard of the Seller, never contacted them, nor authorized either of these transactions. They are both Fraudulent. I immediately went online to my account and was met with a banner stating, " We have noted possible fraudulent activity on your account; please verify your identity ''. Within on hour of receiving the emails from PayPal I called the Customer Service Phone number to identify these Fraudulent Transactions. The call was answered by an XXXX XXXXXXXX that stated, " I am not familiar with that term ''. All interaction with PayPal Customer Support went downhill from there. I have attached the full email history in a PDF ( minus the XXXX ) and have retained all email communication from PayPal. To date, after multiple phone conversations with PayPal, they refuse to acknowledge the problem nor provide any documentation, only insisting that these were valid transactions " consistent with my purchase record ''. Please note that the email record clearly identifies that PayPal 's " thorough evaluation '' of the disputes occurs in less than 120 minutes and that no substantive justification is provided ( only conclusionary statements ). PayPal has refused to acknowledge their website statement of " We have noted possible fraudulent activity on your account; please verify your identity ''. I have called PayPal Customer Support over five ( 5 ) times with no effect. They only repeat their claim of " valid transaction '' with XXXX substantive justification or documentary evidence. Please help. Please let me know what additional information I can provide. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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 filing this complaint because [ Experian / XXXX XXXX XXXX XXXX has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) confirmed all objectively verifiable inaccuracies must be corrected ; Dept. of Agriculture v. XXXX ( XXXX XXXX ) held no entity is immune from FCRA liability ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : CHARGE OFF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately 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
Consumer complaint received 2025-11-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: FL

Complaint narrative:
The company violated my privacy rights and under these extreme circumstances of this data breach of my personal and confidential information which was compromised without my authorization which violated multiple federal laws designed to protect my student records and personal privacy I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: NJ

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 2025-11-12 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: NJ

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 2025-11-12 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: NY

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute several items on my credit report that I believe are inaccurate. Below is a detailed account of the items in question. Please review the information provided and correct the inaccuracies according to the Fair Credit Reporting Act ( FCRA ). 

Inquiries : XXXX XXXX XXXX Date Open : XX/XX/year> I am disputing this inquiry as I do not recognize this account. Please verify the legitimacy of this inquiry.

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 2025-11-12 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:
Dear Sir/Madam, I am writing to dispute the following information on my Experian credit report. These accounts appear to be inaccurate, and I request that they be investigated for accuracy and removed or corrected accordingly. 

Charged Off Accounts : ACCOUNT NAME : 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 XXXXXXXX Please conduct a thorough investigation and correct any inaccuracies in accordance with the FCRA.

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 2025-11-12 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: CA

Complaint narrative:
This is a formal complaint being filed against multiple furnishers and credit reporting agencies for their continued violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other federal consumer protection laws. Despite my prior disputes, these entities have failed to conduct a lawful reinvestigation, continued reporting inaccurate data, and allowed unauthorized information to remain on my credit report. These actions have severely harmed my credit reputation, denied me financial opportunities, and caused emotional distress. I am requesting immediate investigation, deletion of inaccurate data, and confirmation of compliance with federal law. 

XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$11000.00} Charge Off XXXX XXXX This account is falsely reported as a charge-off without valid documentation. No billing records or signed agreement have ever been provided. Reporting unverifiable information violates FCRA 611 ( a ) ( 1 ) ( A ) and 607 ( b ). Continued reporting without proof also breaches FDCPA 809 ( b ). Delete this item immediately as it remains unverified. 

XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$900.00} Charge Off XXXX XXXX XXXX XXXX is a debt buyer and has not provided any validation, proof of ownership, or chain of title. Reporting unverified debt violates FCRA 607 ( b ), 623 ( a ) ( 1 ) ( A ), and FDCPA 809 ( b ). Without proper verification from the original creditor, this account must be deleted. 

The continued reporting of unverifiable, inaccurate, and unauthorized data by these entities shows systemic disregard for federal law and consumer rights. I am demanding that the Consumer Financial Protection Bureau investigate these violations, enforce corrective action, and ensure permanent deletion of inaccurate items from my credit reports. I further request written confirmation from all involved parties detailing corrective measures and compliance actions taken as a result of this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently found that there are several unauthorized and fraudulent inquiries on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and W2.

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 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC
State: NM

Complaint narrative:
I paid XXXX XXXX to fix my credit, the following debt collectors are trying to get me to pay them for a debt they do not own, 5 different companies are harising and reporting false information on my credit report. They are not the original creditor, I did not sign any documents with them. I contacted the original creditor and the show the account as paid and closed. Now I have received a copy of a statement, not from the original creditor, but from the debt collector. 
There are now 5 different debt collectors trying to intimidate me into paying them. I have repeatedly along with XXXX XXXX, requesting Debt Validation, Bill of Sale of Debt from original creditor, summary of the account including all payments with the date. I have not received any information request by the following debt collectors, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, the are reporting false information on my credit report, ie : open date, balance, payment status. Im sick of them not abiding by the rules and refusing to provide the documents requested.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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'm writing because there's an account on my credit report that is completely inaccurate, and I need this issue addressed and corrected immediately. The information being reported is flat-out wrong, and its already having a serious impact on my credit profile and my life. 

Let me be absolutely clear : I have no connection to this account. I never opened it, never authorized it, and have never had any dealings with the company reporting it. This is either the result of a reporting error, identity theft, or a case of mixed files but whatever the cause, this is not my debt and it needs to be removed. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to maintain and report 100 % accurate and verifiable information. Whats currently being reported under my name does not meet that standard. In fact, its a direct violation of my rights under the FCRA, specifically Section 607 ( b ), which requires you to follow reasonable procedures to ensure maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: NV

Complaint narrative:
I am submitting this formal complaint regarding inaccurate credit reporting and unauthorized inquiries appearing on my credit reports. These entries violate my rights under the Fair Credit Reporting Act ( FCRA ), and despite my attempts to resolve the issues, the furnishers and credit reporting agencies have failed to correct the inaccurate information. 

Inaccurate Account Reporting XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX High Balance : {$520.00} Reported Status : Late Payment This reporting is inaccurate. I have never made any late payment on this account. I am requesting that the information be verified directly with the furnisher. If the creditor can not provide valid documentation proving any late payments, this account must be immediately corrected to reflect an accurate on-time payment history, in compliance with FCRA Section 623 ( a ) ( 1 ) ( A ), which prohibits the reporting of information known or believed to be inaccurate.

Unauthorized Credit Inquiries : The following inquiries were made without my authorization and must be removed immediately from my credit file : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Under FCRA Section 604 ( a ) ( 3 ), a credit report may only be accessed for a legitimate permissible purpose. These inquiries were not authorized by me and therefore represent a violation of my consumer rights. I demand their immediate removal and a full explanation of how they were allowed to occur. 

Requested Action : I respectfully request that the CFPB : Investigate these matters with the relevant credit reporting agencies and furnishers. 

Require the furnisher of XXXX XXXX XXXX  XXXX to verify and correct any inaccurate late payment reporting. 

Ensure the removal of unauthorized inquiries from XXXX and XXXX. 

Confirm that all actions taken are reported back to me in writing. 

Please complete this reinvestigation within 30 days, as required under FCRA 611 ( a ) ( 1 ) ( A ), and provide written confirmation of the results.

These inaccuracies have caused damage to my creditworthiness and financial stability. I am requesting the CFPBs assistance in ensuring full compliance with federal law and the immediate correction of my credit file. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief