vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-15 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: NY

Complaint narrative:
Experian XXXX. XXXX XXXX, XXXX TX XXXX Transunion Consumer Dispute XXXX XXXX XXXX XXXX PA XXXX XXXX  XXXX XXXX XXXXXXXX, XXXX GA XXXX Date : XX/XX/XXXX To whom it XXXX concern. 

I am writing to dispute information that appears on my credit report. I have reviewed my report and found the following error ( XXXX ) that I believe are false or erroneous : These two items listed below were purchased by a Third-Party debt collector/. ( XXXX XXXX XXXX and XXXX XXXX XXXX ) these accounts. Must be deleted as the status of these accounts is not correct and these accounts were paid for less than owed by the debt collector. 


As you can see from my attached credit reports and highlighted issues. This information is NOT CORRECT AND NOT ACCURATE. Therefore, they must be DELETED IMMEDIATELY. 
How much did the collection companies pay for these items? I don't know and neither do my credit report reflect any such amounts. This is a clear violation of the FCRA as this is not accurate or complete information. DELETE THIS IMMEDIATELY. 
I have reached out numerous times and have not received any response from bureaus XXXX, Equifax, an Transunion. 

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 explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-06-15 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for XXXX XXXX Dear Credit Bureau, I hope this letter finds you well. I am writing to request a goodwill adjustment regarding my account with [ Creditor 's Name ], which has been closed and shows no negative remarks on my credit report. 

Account Number : XXXX Date Opened : XX/XX/year> Date Closed : XX/XX/year> I have consistently made all payments on time and have strived to maintain a positive credit history. Given that this account is now closed and has no negative marks, I kindly request that you consider removing it from my credit report. 

I appreciate your attention to this matter and your continued support in helping me maintain a healthy credit profile. Thank you for considering my request. 

Sincerely, 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 2025-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I submitted formal disputes to all three credit reporting agencies regarding two charged-off accounts reported by XXXX XXXXXXXX XXXX  XXXX These accounts appear under the following partial account numbers : XXXX * * * * ( Opened XX/XX/XXXX ) * * XXXX * * * * ( Opened XX/XX/XXXX ) * * Despite my dispute, the accounts continue to be reported with material inaccuracies and legal violations under the Fair Credit Reporting Act ( FCRA ). These issues include : 607 ( b ) : Inconsistent and inaccurate data The accounts show different payment histories, conflicting dates of last activity, and varying charge-off statuses across Equifax, Experian, and TransUnion. 

623 ( a ) ( 3 ) : Failure to note disputed status Experian shows the accounts as disputed. However, Equifax and TransUnion do not reflect the dispute, violating FCRA requirements to clearly note disputed accounts with all CRAs.

611 : Failure to reinvestigate I had already submitted a dispute regarding these accounts, but no meaningful correction or explanation has been provided. The inconsistencies remain, suggesting a failure to conduct a proper reinvestigation. 

Suspected unlawful re-aging of debt Both accounts were closed/charged off years ago, yet the CRAs recently updated them with a Date of Last Activity and Date Reported of XX/XX/XXXX, which could extend how long the negative items stay on my credit a violation if unsubstantiated.

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 2025-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: SC

Complaint narrative:
My rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: TX

Complaint narrative:
Subject : Demand for Full Verification and Removal of Inaccurate Accounts & Security Alert Under FCRA 609 To Whom It May Concern, Under my rights granted by the Fair Credit Reporting Act ( FCRA ), Section 609, I am formally requesting a full investigation and immediate removal of all unverified, outdated, inaccurate, or fraudulent information listed below.

Additionally, I request the removal of a security alert currently placed on my credit file that is negatively affecting my credit eligibility and access.

Subject : Demand for Full Verification and Deletion of Unverified Accounts Under FCRA 609 To Whom It May Concern, Pursuant to my rights under Section 609 of the Fair Credit Reporting Act ( FCRA ), I am formally requesting a detailed investigation and full verification of the accounts listed below. I am demanding copies of original signed contracts, complete billing statements, and the method of verification used to validate each items presence on my credit report.

If your bureau is unable to provide documented, verifiable proof bearing my signature, the Fair Credit Reporting Act requires that the unverifiable accounts be removed immediately.

Please review and verify the following accounts : ________________________________________ Disputed Accounts : XXXX. XXXXXXXX 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 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 2025-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Kind Holdings, LLC
State: CT

Complaint narrative:
I worked with a mortgage broker that was then trying to work with Kind Lending on a deal. Kind Lending found out that I was using funds for a cash out refinance to finish technology patents and prototypes for the Department of Defense ( DOD ) for new technology that will save countless soldiers ' lives and making the DOD even more formidable and getting XXXX contract for billions. Upon learning of this, the workers from Kind called and said that I would have to sign over 90 % of my future profits to Kind with my work if I were to receive funds from refinancing. The company said that if I did not comply, they would put my name into something called XXXX and make it impossible for me to get a loan and the capital that I desperately need for this work that'll save lives XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX. Company workers said if I am a patriot, I will sign over all future profits with DOXXXX venture, wherein I need funds for refinance to subsidiary companies of Kind lending. 

XXXX. If I am willing to comply, I will be given instructions for meeting the Kind representative at a place of their choosing with their lawyer, and I will not be allowed to have XXXX and will be patted down for any recording devices.

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 2025-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
I am the borrower on FHA-insured loan with Citizens Bank for the property located at : This property has been medically and environmentally uninhabitable for over two years due to toxic mold, long-term water intrusion, electrical failures, and structural instability. It was officially deemed uninhabitable by both my treating physician and a licensed environmental mold inspector, who documented XXXX spores of XXXX ( toxic XXXX mold ) and over XXXX XXXX spores of XXXX inside a wall cavity. The contamination is so severe that all HVAC ductwork is lined with mold, making the air inside the unit unsafe to breathe. As a direct result of the exposure, I have undergone extensive medical treatment, including over 40 hyperbaric oxygen chamber sessions. No repairs or remediation have been performed by the HOA or property management, and I am currently in active litigation against the HOA, with a jury trial scheduled for XX/XX/XXXX. 

Despite the above, Citizens Bank has continued foreclosure proceedings, recently evidenced by an appraiser contacting me on XX/XX/XXXX. The appraiser confirmed : He was hired on behalf of RBS Citizens.

He was instructed to conduct an exterior-only appraisal. 

Despite acknowledging a mold disclaimer in the MLS, he was told by Citizens to assume habitability.

He declined my offer to provide critical documentation ( including photos, medical/mold reports, and Code Compliance citations ) that would affect the propertys appraised value.

Prior to this, a valid short sale offer was submitted and denied without sufficient explanation. Citizens Bank has been uncooperative in providing details or justification for the denial. In light of the XX/XX/XXXX appraisal incidentwhere the appraiser was told to assume habitability and ignore known damagethere is reason to believe that the earlier short sale may have been rejected based on a similarly inaccurate or misleading appraisal that failed to reflect the true condition of the property. 

Later that day, I received a call from ( XXXX ) XXXX, a number associated with Citizens Banks foreclosure counsel. Despite my repeated written requests that all communication be in writing ( due to legal and medical documentation needs ), no voicemail was left and no written follow-up has been sent. 

I have submitted all supporting evidence to Citizens via their official servicing email ( XXXX ), and separately to HUD where it is currently under review by a HUD Housing Program Specialist. 

Additionally : A second HUD Partial Claim was recorded in XX/XX/XXXX, over two years after the property was formally declared uninhabitable. This raises further questions of servicing misconduct.

There is an active Code Compliance investigation by the City of XXXX with three open citations, including structural hazards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by law. Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute XXXX be mishandled in a similar manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: TX

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by law. Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute XXXX be mishandled in a similar manner.

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 2025-06-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: AL

Complaint narrative:
Contacted company several times over a XXXX  year period. By law this debt must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX, TX XXXX XX/XX/year> I am submitting this letter as a formal request under my rights provided by the Fair Credit Reporting Act ( FCRA ), specifically Section 611, to initiate a dispute regarding multiple entries appearing on my consumer credit file with your agency.

Upon careful review of my credit report, I have identified several adverse accounts and derogatory remarks that I believe to be either : Inaccurate, Incomplete, Outdated, or Not verifiable per your obligations under the FCRA.

These negative accounts are contributing to an unjust and misleading picture of my creditworthiness, and I am exercising my right to dispute these items and request that they be either corrected or permanently deleted if they can not be verified with original documentation from the furnisher.

Please treat this letter as a formal dispute of all such items that meet any of the criteria above.

Specifically, I am requesting the following : 1. A thorough investigation of all negative and derogatory entries on my report ; 2. Immediate removal of any information that can not be 100 % verified through original source documents ; 3. Written documentation validating the reporting accuracy of each negative item in dispute ; 4. Notification of any deletions or corrections made following your investigation.

I am also reminding your agency of its duty under FCRA 611 ( a ) ( 1 ) ( A ) to conduct a reasonable reinvestigation of any disputed information within 30 days of receipt of this notice. If you are unable to verify these entries in compliance with federal law, they must be removed.

Enclosed : Copy Subject : Demand for Full Verification and Removal of Inaccurate Accounts & Security Alert Under FCRA 609 To Whom It May Concern, Experian Transunion, Equifax Under my rights granted by the Fair Credit Reporting Act ( FCRA ), Section 609, I am formally requesting a full investigation and immediate removal of all unverified, outdated, inaccurate, or fraudulent information listed below.

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 2025-06-15 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 formally requesting that the unauthorized accounts be blocked and removed from my credit report at your earliest convenience. I did not create or authorize these accounts, and I am unfamiliar with their origins. As stated in USC 1681g, I ask that they be removed within 15 days. Please review the enclosed documentation. Also, the account details being reported differ among the credit bureaus and contain inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: CA

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-06-15 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:
Subject : Demand for Full Verification and Removal of Inaccurate Accounts & Security Alert Under FCRA 609 To Whom It May Concern, Under my rights granted by the Fair Credit Reporting Act ( FCRA ), Section 609, I am formally requesting a full investigation and immediate removal of all unverified, outdated, inaccurate, or fraudulent information listed below.

Additionally, I request the removal of a security alert currently placed on my credit file that is negatively affecting my credit eligibility and access.

Subject : Demand for Full Verification and Deletion of Unverified Accounts Under FCRA 609 To Whom It May Concern, Pursuant to my rights under Section 609 of the Fair Credit Reporting Act ( FCRA ), I am formally requesting a detailed investigation and full verification of the accounts listed below. I am demanding copies of original signed contracts, complete billing statements, and the method of verification used to validate each items presence on my credit report.

If your bureau is unable to provide documented, verifiable proof bearing my signature, the Fair Credit Reporting Act requires that the unverifiable accounts be removed immediately.

Please review and verify the following accounts : ________________________________________ Disputed Accounts : XXXX. XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ________________________________________

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: FL

Complaint narrative:
False XXXX Account Reporting Re-Aging & Identity Error ( Account # : XXXX ) Complaint Summary : I am disputing a fraudulent or inaccurately reported account from XXXX ( Account # : XXXX ) that is appearing on my credit report. According to the report, the account was opened on XX/XX/year>. I have never had a XXXX account, and I have been a continuous XXXX XXXX XXXX customer for over XXXX  years with no lapses or service transfers. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) initiate an immediate investigation into this matter and hold both the furnisher ( XXXX ) and the reporting bureau accountable for furnishing and publishing false, misleading, and unvalidated information.

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