vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute. 

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
Account # : XXXX Issue : Duplicate reporting of collection account. 

Account disputed, collection/charge-off status not updated. 

Violation ( s ) : FCRA 1681e ( b ) FCRA 1681i, 1681s-2 Account # : XXXX Issue : Duplicate reporting, inaccurate collection status.

Violation ( s ) : FCRA 1681e ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
b'I AM ASKING FOR SOMEONE TO REVIEW MY MORTGAGE REQUEST FOR MODIFICATION, I WAS JUST TOLD THAT MY HOUSE HAS BEEN SOLD AS OF XXXX XXXX XXXX NOW THEY ARE SENDING ME A LETTER ABOUT EVICTION AND NO ONE NEVER CALLED ME AND THEY GIVE YOU A NUMBER FOR THEIR REO DEPARTMENT BUT I CALLED AS SOON AS THEY OPENED ON XXXX XXXX  LIKE THEIR RECORDER STATES AND THEY SAY THEY ARE BUSY AND TO CALL BACK CALL BACK BUT NO ONE ANSWERS THIS NUMBER XXXX XXXX THIS IS NOT FAIR AND I DONT KNOW WHAT I NEED TO DO BUT TO SEND THIS TO YOUR OFFICE. I NEED SOMEONE TO LOOK INTO THIS CASE AND IF I HAVE TO RELOCATE I JUST GOT THIS NOTICE SO WHY DID THEY WAIT SO LONG TO NOTIFY ME ABOUT THE FORCLOSURE DATE WHICH APPEARS TO HAVE WENT ON XXXX XXXX XXXX WITH OUT MY KNOWLEDGE THIS WRONG ON SO MANY LEVELS I NEED ANSWERS AND NO ONE CAN HELP ME. I AM NOT PREPARED TO MOVE IT COST OVER XXXX TO RELOCATE I DONT HAVE ANY MONEY LIKE THAT. PLEASE TALK TO THIS SELECT PORTFOLIO SERVINGS COMPANY.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this formal identity theft dispute under FCRA Sections XXXX ( A ), XXXX, XXXX ( XXXX ), and XXXX. The following accounts were fraudulently opened without my authorization and must be deleted immediately from my credit file : XXXX  XXXX XXXX Charge-Off XXXX XXXX Bank XXXX XXXX 2024 ) Charge-Off XXXX XXXX Charge-Off XXXX  XXXX  / XXXX XXXX  Collection Any associated late payments or derogatory reporting These accounts are not mine. You are required by law to block and remove all fraudulent items within XXXX business days under FCRA XXXX. You are prohibited from verifying fraudulent accounts with the furnishers. 

Failure to comply constitutes willful and negligent noncompliance under FCRA XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this formal identity theft dispute under FCRA Sections XXXX ( A ), XXXX, XXXX ( XXXX ), and XXXX. The following accounts were fraudulently opened without my authorization and must be deleted immediately from my credit file : XXXX  XXXX XXXX Charge-Off XXXX XXXX Bank XXXX XXXX 2024 ) Charge-Off XXXX XXXX Charge-Off XXXX  XXXX  / XXXX XXXX  Collection Any associated late payments or derogatory reporting These accounts are not mine. You are required by law to block and remove all fraudulent items within XXXX business days under FCRA XXXX. You are prohibited from verifying fraudulent accounts with the furnishers. 

Failure to comply constitutes willful and negligent noncompliance under FCRA 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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to dispute the accuracy of the following items that have been reported on my credit report. I believe that the items listed below are either inaccurate, incomplete, or improperly reported, and I request that these disputes be investigated and resolved in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00} XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$240.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$9500.00} Inquiries XXXX, Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I believe the following information on my TransUnion credit report is inaccurate and should be corrected. 

============================== CHARGED OFF XXXXXXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$2300.00} INQUIRIES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No positive accounts listed for TU LATE PAYMENTS 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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous 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
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My home in California was destroyed in a federally declared wildfire disaster. My insurer has issued proceeds to rebuild, but Shellpoint Mortgage continues to unreasonably withhold the majority of these funds, demanding excessive documentation that is not required by my mortgage agreement. Their actions are delaying my ability to rebuild and recover. 

Ive already provided significant documentation, but Shellpoint sent a new letter on XX/XX/XXXX with even more burdensome and premature requirements ( e.g., architectural blueprints, contractor info, invoices from vendors who havent even been hired yet ). They are treating this like a standard repair, not a total loss in a disaster area. 

Shellpoints delay may violate RESPA by imposing conditions not disclosed in servicing agreements, and also may violate California Civil Code 2955.5, which limits a mortgage servicers control over insurance proceeds. 

I believe my previous CFPB complaint was closed prematurely, and I'm sharing additional important information that goes beyond my original issues, though indicates a broader systemic problem with the lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am submitting this dispute regarding inaccuracies on my credit report across the XXXX major credit bureaus : XXXX ( XXXX ), Experian ( XXXX ), and XXXX  ( XXXX ). Below are the accounts that I believe contain errors and require your investigation and correction. 

Charged-Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$130.00} Inquiries : [ No inquiries listed for dispute ] Positive Accounts : [ No positive accounts listed for dispute ] Late Payments : XXXX Account Number : XXXX

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

Complaint narrative:
I must emphasize that this complaint is not a mistake. My credit report contains inaccuracies that are not guaranteed to be maximally accurate. These errors are severely impacting me in ways that are unacceptable.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing a complaint regarding unauthorized hard credit inquiries appearing on my TransUnion and Equifax reports. I did not initiate a credit transaction or provide written authorization to the companies listed below. Under 15 U.S.C. 1681b ( a ), a consumer report may be furnished only for limited permissible purposes ; 1681b ( f ) prohibits obtaining/using a report without a permissible purpose. CRAs must maintain reasonable procedures and obtain certifications to ensure reports are furnished only for permissible purposes ( 15 U.S.C. 1681e ( a ) ). I disputed these inquiries with the bureaus and requested deletion under 15 U.S.C. 1681i ( reasonable reinvestigation within 30 days ; delete if inaccurate/unverifiable ; provide results and method of verification, with the MOV due within 15 days upon request ). I also requested the identification of each person who procured my reports in the last year ( two years for employment ) per 15 U.S.C. 1681g ( a ) ( 3 ). If any inquiry stems from identity theft, I request a block under 15 U.S.C. 1681c2 ( block within 4 business days upon receipt of identity theft report and ID ). 

Disputed inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
After 29 years as a loyal Bank of America customer, I was shocked when they suddenly decided to de-bank me last Friday without any prior notice. On Saturday, I received emails informing me that my accounts would close in seven days for unspecified " business reasons, '' and that I could visit a branch to withdraw my balances via cashier 's check. However, when I rushed to the branch first thing Monday morning at XXXX XXXX the staff told me the accounts were already frozen, and I'd have to wait 7-10 business days to access my own money.

This couldn't have come at a worse timeall my bills are set to auto-pay from those accounts right after my direct deposit hits. I've called customer service multiple times, but they showed no empathy, simply pointing to the fine print in my 1996 account agreement that gives them the right to close accounts at any time. When I passionately pleaded my case and begged for immediate access to my funds, the representative put me on hold for what she said would be 2-6 minutes ... and then just hung up on me.

Is this really how Bank of America treats customers who've been with them for nearly three decades? It's unacceptable and has left me in a serious financial bind.

As you can see in the attached documents they lied and said I would have a chance to get my money out before they automatically sent checks out ( which takes way too long ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
They are saying I owe and I dont rent relief paid my rent for XXXX XXXX XXXX XXXX Texas XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Account Name : PORTFOLIO RC Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Ive asked this company to please verify or validate the alleged debt that they are attempting to collect and they have not responded or even sent anything. Ive asked the credit reporting agencies to help but they have not responded either. I am on furlough and having so much stress. Please help me. This company is breaking the law and who will stand for the people while these companies treat us poorly. 15 USC 1681 says that they have to report what is fair and accurate but they are doing whatever they want.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing the following information on my TransUnion credit report : CHARGED OFF Bankruptcy Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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

Complaint narrative:
I am disputing the following accounts reported by Experian. The details of the accounts in dispute are as follows : Charged Off Accounts XXXX XXXX Account Number : XXXX Account Date : XXXX Balance : XXXX Inquiries XXXX XXXX Account Date : XXXXXXXX XXXX XXXX XXXX Account Date : XXXX Late Payments XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX

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

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting of 100 % accurate information. Ive suffered harm due to these violations and am entitled to resolution in the form of deletions. The accounts in my attached letter are not accurate, and I demand their immediate removal.

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 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I am filing this complaint regarding an account reported by LVNV Funding LLC that has not been properly validated or verified. Despite my good-faith efforts to request documentation proving the legitimacy and ownership of this debt, LVNV Funding LLC has failed to provide any authentic, legally required evidence that establishes this account as mine. The lack of verification calls into question the accuracy and legality of their continued reporting and collection efforts.

Under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ), I have a clear right to request proof that this debt is valid and that the company has the legal standing to collect or report it. To date, LVNV Funding LLC has not provided the original contract, an itemized breakdown of charges, or evidence showing their legal authority or ownership of the alleged account. Instead, they continue to report this unverified debt, which is misleading and damaging to my credit reputation.

This accounts presence on my credit file has caused real harm including lowered credit scores, emotional distress, and missed financial opportunities. Reporting unverifiable or inaccurate information is not just a procedural error ; its a violation of my consumer rights under federal law.

Company response to consumer: Closed with explanation