vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bonneville Billing and Collections
State: WY

Complaint narrative:
Bonneville Collections has continued calling me about a debt I owe despite my telling them to only use written communications. In addition, they have emailed other people information about this debt, and have also attempted calling other people besides myself about my debt despite having my contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CarMax, Inc.
State: AL

Complaint narrative:
I had a XXXX XXXX XXXX for 3 years. I have had to do catalytic converter repair. Also making payments for {$370.00}. Recently the car has been stolen from my house by XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX to a XXXX XXXX XXXX and they ran the vehicle into someones house. The car has been totaled and non drivable. I have ask for help to the finance company for replacement and lower payment. I have been struggling with it. I need another vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: MS

Complaint narrative:
I saw on my credit report that ICS is attempting to collect a debt that has already been paid since last year XX/XX/XXXX  paid to credence collection agency they are trying to be paid XXXX times for the same account and as of todays date they have never wrote me with regards to this debt that was paid since XX/XX/XXXX  they need to delete this debt on my report and send this account back to the agency as paid in full this is an error

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 2025-05-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
In XX/XX/XXXX, my service was canceled. I returned the equipment in XX/XX/XXXX, and my account was subsequently canceled. Subsequently, I relocated to a different city and updated my address at the post office. Despite this change, I received no notification of any payments being sent to debt collection. After receiving a couple texts from Sunrise Credit Services, I initially dismissed them as a scam. However, on XX/XX/XXXX, they contacted me, informing me of a debt of {$56.00} from XXXX for XX/XX/XXXX. I was completely unaware of this debt and was not provided with any information regarding its potential dispute.

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 2025-05-27 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: IL

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: NM

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-27 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: NM

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: FL

Complaint narrative:
We were notified that our mortgage loan had been sold and transferred from XXXX XXXX to Selene Finance LP and that all payments due after XXXX XX/XX/year> would be forwarded accordingly. On XXXX XX/XX/year>, using the Selene Finance website, we submitted our XXXX XX/XX/year>XXXX  payment of {$1600.00} in full. On XXXX XX/XX/year>, two days after submitting the payment, we logged in the Selene Finances payment portal to ensure the payment went through just to find out that it had been put into a suspense account that we did not authorize the opening of. We waited until the XXXX XX/XX/year>XXXX  to check it again, assuming it was in a processing stage of the payment process and we quickly realized that was not the case and we started the process of attempting to get it corrected via Selene Finances customer service and loan resolution lines. From XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> we have contacted Selene Finances customer service fifteen times, requested supervisor and managerial assistance to no avail. In fact, the customer service representatives have, to this day, refused to transfer us to who is responsible for correcting this. Every time the complaint is escalated, we are told they are waiting for a response from the person who is responsible for correcting our account and that the person responsible would call us by the end of the business day, which has yet to occur. They have also oddly requested that we prove to them that we made our payment, which we did, even though the money was visible on our account statement in this suspension account. As of today XXXX XX/XX/year>, we still have no resolution, our past due counter is on day XXXX XXXX, and the only information we have received is that our payment has been rejected but is clearly in a suspension account they have created. 

We have also attempted to have our prepayment penalty clause on our Selene Finance statement corrected since the day they took over our loan, with essentially the same results as previously stated. Our original mortgage note stated that we had no prepayment penalties on our loan, and when our Selene Finance statement arrived Selene Finance has effectively adjusted the terms of our loan by claiming that we are in fact subject to prepayment penalties. 

So in short, Selene Finance LP is refusing to apply our payment that was made on time to the correct mortgage account for the last twenty seven days and refusing to respond to our complaints of wrongdoing and incompetence which will ultimately have a negative impact on our family, our livelihood, and our credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Possible Financial Inc
State: CA

Complaint narrative:
I am sending this complaint to POSSIBLE FINANCIAL INC regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I filled a fraud dispute with BofA XXXX XXXX. Claim # XXXX for {$6400.00} disputing 15 transactions. BofA sent me a letter 5 days later stating that they concluded their investigation so fast and found that {$950.00} was credited back to me and the other 14 charges in the amount of {$4900.00} BofA stated were determined there wasnt error in these transactions and they are being posted back to my account as eligible. 

BofA could not make a full fraud investigation in 5 days. BofA never provided any documentation on how and why they made that determination. Absolutely nothing! They brushed me off and left me with these transactions to pay! They dont care about customer, this is a ridiculous way to treat your customers. 
I respectfully request CFPB look into this matter! Thank you!

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 monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion is violating my rights under the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent, inaccurate, and unverified accounts on my credit file, despite multiple formal disputes and documentation submitted directly and through the CFPB over the past YEAR!. They have also ignored an FTC complaint filed against them ( FTC Report # XXXX ). 

I personally submitted written disputes to TransUnion and through prior CFPB complaints. Their ongoing refusal to correct, validate, or remove the following accounts and inquiries constitutes : Failure to conduct a lawful reinvestigation under FCRA 1681i ; Failure to ensure accuracy of reporting under FCRA 1681e ( b ) ; Failure to provide documentation under 1681g ( a ) ; Misuse of unauthorized third-party denial tactics to avoid processing disputes ; Improper hard inquiries in violation of 1681b ; Failure to cease reporting disputed items under 1681s-2 ( b ). 



Accounts in Dispute : XXXX. XXXX XXXX XXXX XXXX  Credit Card Account # : XXXX Issue : Inaccurate XXXX late in XX/XX/year> ; no evidence provided; violates 1681e ( b ) and 1681g ( a ). 
XXXX. XXXX XXXX XXXX Bank Credit Card Account # : XXXX Issue : Same as above ; disputed multiple times ; XXXX reports conflict with TransUnion. 
XXXX XXXX XXXX  Auto Loan Account # : XXXX Issue : Paid/settled but still reported XXXX day delinquency ; no validation ; violates 1681i and 1681g ( a ). 
XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Issue : Charge-off and paid settlement status reported without documentation ; multiple prior disputes ignored. 
XXXX. Unauthorized Hard Inquiries XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXXXX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year> Issue : No authorization or permissible purpose ; no response to documentation requests.

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 2025-05-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I received a notification from I.C. Systems that they are trying to collect a debt from XXXX. They purchased it and are trying to collect money. XXXX told me that because of the issues that I was having with the system, that I did not have to make that final payment. I do not know how they found my new address, because I have moved from that location. They did not get my permission to collect on this debt. It is from a third party company and does not have my permission.

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 2025-05-27 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: TX

Complaint narrative:
my name is XXXX XXXX. my date of birth is XX/XX/year>. my social security number is XXXX. Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX Account Number : XXXX * * * * XXXX XXXX  Account Number : XXXX * * * * XXXX Account Number : XXXX * * * * XXXX  Account Number : XXXX * * * XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX * * * * XXXX XXXX XXXX XXXX  Account Number : XXXX * * XXXX XXXX XXXX Account Number : XXXX * * * * XXXX XXXX XXXX XXXX  Account Number : XXXX * * * *. also, the following inquiries were unauthorized XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I am sending this complaint to NATIONAL CREDIT ADJUST Original creditor XXXX  XXXX regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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:
Consumer Name : XXXX XXXX Social Security Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXubject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.

These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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:
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 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 
ACCOUNT NAME : XXXX  XXXX Bankruptcy ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXas violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
I am sending this complaint to MONTEREY COLLECTION SV regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation