vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
A mortgage belonging to my parents was paid in full years ago, but the discharge was never recorded in XXXX XXXX, New Jersey. The loan was originally with XXXX XXXX, then XXXX XXXX, and later XXXX XXXX XXXX The property was transferred to me in XXXX. The mortgage still appears in the county records even though it was satisfied.

I recently sold the property and all sale proceeds are being held in escrow. XXXX XXXX XXXX dollars can not be released until the old mortgage lien is cleared. Select Portfolio Servicing has repeatedly stated they can not locate the discharge and has not provided any proof that servicing was transferred to another company. 

A title research firm confirmed that XXXX XXXX merged with XXXX and XXXX became Select Portfolio Servicing. The XXXX  record for this loan lists Select Portfolio Servicing as the current servicer under MIN XXXX. Since they can not locate the discharge and can not show a transfer, the lien remains on the property and my funds remain frozen. 

I am requesting that Select Portfolio Servicing be required to issue the missing mortgage discharge or a lost satisfaction so the lien can be removed and the escrow funds released.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I submitted a formal dispute letter to Equifax on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Equifax has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Equifax has therefore failed to conduct a reasonable reinvestigation as required by law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 
XXXXXXXX XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$240.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$1100.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$790.00} Original creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Original creditor XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Original creditor XXXX Balance : {$100.00} XXXX XXXXXX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: CA

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 
XXXXXXXX XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$240.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$1100.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$790.00} Original creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Original creditor XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Original creditor XXXX Balance : {$100.00} XXXX XXXXXX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing.

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 2025-11-17 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Notice of Dishonor and Opportunity to Cure I, XXXX XXXX XXXX XXXX the Owner, Proprietor, and Authorized Representative of the entity styled XXXX XXXX XXXX XXXX and the Holder of the Social Security Number ending in XXXX XXXX hereby notify TransUnion, Equifax, Experian, and all other credit reporting agencies, of the following : I have repeatedly requested verified evidence of any lawful contract, agreement, or authorization between myself and your company that permits you to obtain, store, use, or disseminate my personal information or consumer reports. 

I initiated a complaint with the Consumer Financial Protection Bureau ( CFPB ) specifically requesting this verification. Instead of addressing my request, each company issued generic, automated, computer-generated responses that neither answered the questions presented nor produced any evidence of a contract or permissible purpose. These responses circumvented my original request and failed to provide proof of lawful authority to maintain or publish my consumer information. 

During the period in which I awaited your responses, I received an unusual surge of unsolicited solicitations, marketing offers, and credit-related advertisements from multiple entities. This timing raises serious concerns regarding the use, dissemination, or potential unauthorized exposure of my consumer data. 

I am renewing my request : Provide verified documentation showing a lawful contract, consent, or permissible purpose under 15 U.S.C. 1681b ( FCRA ).

Failure to provide such evidence will be taken as : 1. Dishonor of my lawful request, 2. Confirmation of no existing contract, and 3. Continuing violation of the Fair Credit Reporting Act, including but not limited to : 15 U.S.C. 1681b ( permissible purposes ), 15 U.S.C. 1681e ( b ) ( reasonable procedures )
, 15 U.S.C. 1681i ( failure to properly investigate disputes ).

I reserve all rights, remedies, and defenses, including but not limited to further action through the CFPB, State Attorney General, and other regulatory or judicial avenues. 

I demand full compliance and a verified response.

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 2025-11-17 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Notice of Dishonor and Opportunity to Cure I, XXXX XXXX XXXX XXXX the Owner, Proprietor, and Authorized Representative of the entity styled XXXX XXXX XXXX XXXX and the Holder of the Social Security Number ending in XXXX XXXX hereby notify TransUnion, Equifax, Experian, and all other credit reporting agencies, of the following : I have repeatedly requested verified evidence of any lawful contract, agreement, or authorization between myself and your company that permits you to obtain, store, use, or disseminate my personal information or consumer reports. 

I initiated a complaint with the Consumer Financial Protection Bureau ( CFPB ) specifically requesting this verification. Instead of addressing my request, each company issued generic, automated, computer-generated responses that neither answered the questions presented nor produced any evidence of a contract or permissible purpose. These responses circumvented my original request and failed to provide proof of lawful authority to maintain or publish my consumer information. 

During the period in which I awaited your responses, I received an unusual surge of unsolicited solicitations, marketing offers, and credit-related advertisements from multiple entities. This timing raises serious concerns regarding the use, dissemination, or potential unauthorized exposure of my consumer data. 

I am renewing my request : Provide verified documentation showing a lawful contract, consent, or permissible purpose under 15 U.S.C. 1681b ( FCRA ).

Failure to provide such evidence will be taken as : 1. Dishonor of my lawful request, 2. Confirmation of no existing contract, and 3. Continuing violation of the Fair Credit Reporting Act, including but not limited to : 15 U.S.C. 1681b ( permissible purposes ), 15 U.S.C. 1681e ( b ) ( reasonable procedures )
, 15 U.S.C. 1681i ( failure to properly investigate disputes ).

I reserve all rights, remedies, and defenses, including but not limited to further action through the CFPB, State Attorney General, and other regulatory or judicial avenues. 

I demand full compliance and a verified response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS 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

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 2025-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OR

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX account number XXXX. This is not my bill or account I was incarcerated in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
I am reporting identity theft involving multiple unauthorized hard credit inquiries that were made using my personal information without my knowledge or consent. I did not apply for credit, loans, or services with the companies listed below, nor did I authorize anyone else to act on my behalf. These inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These inquiries were made without a permissible purpose, which is required under the Fair Credit Reporting Act ( FCRA ). Under FCRA 604 ( a ) ( 2 ) ( 15 U.S.C. 1681b ), a company may only obtain my credit report if I initiated a credit transaction and provided authorization. I did not authorize these inquiries.

Under FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ), I am a victim of identity theft and have the right to request all records related to these fraudulent transactions and inquiries.

Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate or fraudulent information, and the credit reporting agencies are required to investigate and remove any information that can not be verified as authorized.

If these companies or the credit bureaus can not provide proof of my authorization for these inquiries, they must delete them according to FCRA 611 ( a ) ( 5 ), which requires removal of unverified information. 

I am filing this FTC Identity Theft Report to formally document these fraudulent inquiries and to support the disputes I will file with the credit bureaus and creditors.

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 2025-11-17 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:
I am reporting identity theft involving multiple unauthorized hard credit inquiries that were made using my personal information without my knowledge or consent. I did not apply for credit, loans, or services with the companies listed below, nor did I authorize anyone else to act on my behalf. These inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These inquiries were made without a permissible purpose, which is required under the Fair Credit Reporting Act ( FCRA ). Under FCRA 604 ( a ) ( 2 ) ( 15 U.S.C. 1681b ), a company may only obtain my credit report if I initiated a credit transaction and provided authorization. I did not authorize these inquiries.

Under FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ), I am a victim of identity theft and have the right to request all records related to these fraudulent transactions and inquiries.

Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate or fraudulent information, and the credit reporting agencies are required to investigate and remove any information that can not be verified as authorized.

If these companies or the credit bureaus can not provide proof of my authorization for these inquiries, they must delete them according to FCRA 611 ( a ) ( 5 ), which requires removal of unverified information. 

I am filing this FTC Identity Theft Report to formally document these fraudulent inquiries and to support the disputes I will file with the credit bureaus and creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Skrill USA, Inc.
State: CA

Complaint narrative:
I had someone use my skrill card on a gambling site for {$700.00} in the middle of the night. I brought it to the companys attention and they close my case after a few days with.no explanation at all. So I lost XXXX dollars with a family to feed...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: AR

Complaint narrative:
I am submitting this complaint because as I reviewed my credit report, I discovered serious reporting inaccuracies that violate multiple provisions of the Fair Credit Reporting Act, including FCRA 607 ( b ) requiring maximum possible accuracy, 611 ( a ) guaranteeing my right to dispute incorrect information, 623 ( a ) ( 1 ) ( A ) imposing a duty on furnishers to provide only accurate and fully verified data, and 623 ( a ) ( 5 ) requiring proper reporting of the Date of First Delinquency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX not reported in EQ and TU XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX  XXXX not reported in EQ and TU XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXXXXXX not reported in TU XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$680.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * Balance Owed : {$890.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$35000.00} XXXX XXXX XXXX -- Balance Owed : {$18000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4000.00} obligation under FCRA 623 ( a ) ( 1 ) ( A ) as well as my right to receive full and accurate disclosures under 609 ( a ). Together, these errors paint a false and damaging picture of my creditworthiness, and therefore, I am requesting a full reinvestigation under FCRA 611, the deletion of any unverifiable or outdated derogatory information, the correction of any tradelines that can not substantiate with accurate DOFD and updated reporting, removal of the incorrect address, and the verification of the collection account to ensure that it complies fully with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: IL

Complaint narrative:
Im sending this complaint to ask that you remove any dispute comments showing on the following accounts and reset their dispute status : XXXX XXXX * * * * * * * * * * * Balance {$0.00} XXXX XXXX XXXX  XXXX * * * * * * * * * * * * Balance {$0.00} XXXX XXXX * * * * Balance Owed : {$0.00} These accounts were previously marked as consumer disputes this account or something similar, but Im no longer disputing them at this time and dont want the dispute comments showing. Its causing issues when I apply for credit because lenders think the accounts are still in 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 2025-11-17 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:
I requested TransUnion to investigate and correct multiple inaccurate accounts, including collections, charge-offs, and incorrect payment history. They only allowed me to dispute one item.

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 2025-11-17 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-11-17 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation