vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 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:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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:
Based on, XXXX XXXX XXXX $ XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

Under XXXX XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX XXXX ( XXXX ) this account in violation not reporting XXXX XXXX accurate. 

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the XXXX XXXX XXXX. These accounts has violated my rights. 

Pursuant to XXXX XXXX XXXX section XXXX A states I have the right to privacy. 
Pursuant to XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish accounts without my written instructions. 

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN XXXX DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR 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 non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Selene Holdings LLC
State: FL

Complaint narrative:
Selene Finance, XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX MAIL FRAUD Fair Debt Collection Practices Act ( FDCPA ) ( XXXX XXXX XXXX et seq. ) XXXX XXXX XXXX XXXX : This section covers frauds and swindles, and can apply to debt collection schemes involving the use of mail or other carriers. Criminal penalties : In some cases, violating the FDCPA can lead to criminal charges, particularly if it involves fraud or other illegal activities. This is to put you on notice that you Selene Finance and its attorneys will be included in a lawsuit for using XXXX XXXX XXXX XXXX to send XXXX XXXX fraudulent Billings fraudulent debts that he has repeatedly disputed and you have failed to do any investigations or supply XXXX with any documentation to validate your claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Letter sent for request below : LVNV Funding LLC P.O. XXXX XXXX XXXX, SC XXXX Amount : {$510.00} To Whom It May Concern, I am writing in response to your collection notice regarding the above-referenced account. Please be advised that I am requesting validation of this alleged debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX. 

Specifically, I request the following information : XXXX. The name and address of the original creditor. 
XXXX. The date the debt was incurred and the date of last payment. 
XXXX. A complete itemized account history showing how the amount of {$510.00} was calculated. 
XXXX. Copies of any judgment ( if applicable ). 
XXXX. Verification that you are authorized to collect on this debt. 

Please provide these documents before any further collection activity, including reporting to the credit bureaus. 

I also request that all communication be in writing, and that no telephone contact be made at my home or place of employment. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: AL

Complaint narrative:
I contact TransUnion, Experian, and Equifax credit bureaus for the past XXXX years stating that Bankruptcy courts do not report to the credit bureaus and it is negatively affecting my credit. Specifically, I am requesting that the bankruptcies are removed from my credit report because it is negatively impacting me from finding housing and employment. 
I understand that bankruptcy filings are public records, but they are not reported to credit bureaus. The bankruptcy court does not report information to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: AL

Complaint narrative:
I contact TransUnion, Experian, and Equifax credit bureaus for the past XXXX years stating that Bankruptcy courts do not report to the credit bureaus and it is negatively affecting my credit. Specifically, I am requesting that the bankruptcies are removed from my credit report because it is negatively impacting me from finding housing and employment. 
I understand that bankruptcy filings are public records, but they are not reported to credit bureaus. The bankruptcy court does not report information to credit bureaus.

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 2025-06-01 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance. 

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-06-01 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:
please check the information concerning the Equifax data breach below in the attachments.

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 2025-06-01 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: GA

Complaint narrative:
please check the information concerning the Equifax data breach below in the attachments.

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 2025-06-01 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I pulled my reports and seen some fraudulent hard inquires on them and I need them removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: PA

Complaint narrative:
In XX/XX/year>, I filed a fraud claim with Bank of America regarding a hotel transaction I did not authorize. My claim was initially denied on XX/XX/year>, stating the charge was valid. I called and requested the claim to be reopened, which they did. I also identified a second fraudulent hotel transaction and submitted a separate dispute, which was resolved in my favor. 

I then submitted a detailed Customer Statement with the names and reservation info that XXXX provided verbally, showing that the reservations were made under names I do not recognize. I made clear that I have never been to either XXXX or XXXX XXXX, the cities involved, and did not authorize these charges. Despite providing this information and cooperating fully, the reopened claim is still pending with no resolution. In the meantime, the re-applied charge has increased my balance and appears to be affecting my credit score, even though the investigation is ongoing. 

I am asking the CFPB to assist in ensuring the reopened claim is reviewed fairly, the charge is removed, and that this situation does not continue harming my credit while under investigation.

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 2025-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: D&A Services, LLC
State: ID

Complaint narrative:
I received a collection letter from D & A Servies and on XX/XX/year> I send them a letter requested a copy of : 1. Show me the ORIGINAL NOT A COPY of the contract with my signature on the original application. 
2. Show me something where you loaned me something of value 3. Show me where you risked assets 4. Show me verification of the debt per 15 USC 1692 ( g ) 5. Proof of ownership to collect the debt that you authorize to collect a debt You are illegally attempting to collect an alleged debt and money that I do not owe. 

I sent them a letter on XX/XX/XXXX requesting the following documents and I gave them 10 days to respond. I did not anything from then until a letter dated XX/XX/year>, which they did not provide the documents I requested in the timeframe I requested which is a violation of my consumer rights. 

They sent 30 pages of statements ( I could not upload all ). Which is not what I could ask for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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:
I submitted a complaint back in XX/XX/XXXX the credit reporting companies did not fully fix all the errors on my credit report. They requested information in which I send and nothing was done. I recieved a status back that they could not locate my credit report inwhich was false. I have been dealing with this since XXXX and I have had issues with getting this competed I have send my police report and FTC report and still the information and inquires are still on my credit report. I will again send this documents but nothing is being taken care of. I have been a victim of idenity theft and several data breaches, I have been compensated monteary, but I want my credit to be restored to the proper status as in good to excellent credit I pay my bills on time and people have taken advantge on me because I have good credit and now it is damaged please assist I will again attached the documents that I have send to the credit reporting agencies before

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts has violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR 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 2025-06-01 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Experian block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXX XXXX - Opened XX/XX/year> With a balance of {$0.00} Account number : XXXX  All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and 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 explanation
Consumer complaint received 2025-06-01 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: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX XXXX Account name : XXXX Co # XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXs # XXXX, Account name : XXXX XXXX XXXX # xxxxxxxxxxxx XXXX, Account XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name XXXX XXXX XXXX XXXX XXXX I looked at my credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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.

1681i ( a ) ( 1 ) ( A ) You have the right to dispute inaccurate information, and credit reporting agencies ( CRAs ) must investigate within 30 days.

1681i ( a ) ( 5 ) ( A ) If information can not be verified, it must be deleted.

1681e ( b ) CRAs must ensure maximum possible accuracy in the information they report.

" Under 15 U.S. Code 1681i and 1681e ( b ) of the FCRA, I have the right to dispute any information that I believe is inaccurate or unverifiable. If the account in question can not be verified, it must be removed from my credit file. ''

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 2025-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: IL

Complaint narrative:
I recently submitted an application to discover for a secured credit ( Mind you I said secured ) Which means I am allocating my own deposit to rebuild my credit! Little and behold Discover decided to deny me because I had a XXXX XXXX that was mind you discharged!! Once again discover is absolutely biased to its applicants and I actually wording that nicely. Because when I had great credit I was denied ( which again makes no sense ) and now seriously how are you being denied for a secured card because of a chapter XXXX?!! Why should that even matter?! Proof I have a very very close friend who applied for a discover secured card shortly after her chapter XXXX and was approved? Her circumstances as to why though might constitute as why discover is discriminatory on to who they approve their applications for??

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: CA

Complaint narrative:
To Whom It May Concern, Subject : Round 2 Dispute Demand to Update Accounts as Paid Never Late Under FCRA Sections 602, 607, 611, and 623 I am writing to formally dispute and request immediate correction of reporting errors concerning the payment history on the following accounts currently appearing on my Experian Equifax and Transunion credit report. Despite successfully resolving this issue with TransUnion and Equifax, Experian has failed to accurately update these accounts in accordance with Metro 2 standards, which mandate consistent, accurate, and complete reporting across all bureaus.

Pursuant to the Fair Credit Reporting Act ( FCRA ), including Sections 602 ( A ), 607 ( B ), 611 ( A ), and 623 ( A ) ( 1 ) ( A ), I demand that these accounts be updated to reflect an accurate status of Paid Never Late. The accounts in question have never been late, yet derogatory information or coding has been reported in error. Any information that can not be 100 % verified as accurate, complete, and consistent across all bureaus must be corrected or deleted.

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 2025-06-01 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: WA

Complaint narrative:
CFPB Complaint Reference Number : XXXX In the above complaint, I requested that Experian remove every address that is not CURRENT, TRUE, CORRECT, and COMPLETE, per FCRA regulations

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