vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Rebuttal and Supplemental Complaint RE : CFPB Complaint No. XXXX To Whom It May Concern : This document serves as my formal rebuttal and supplemental complaint in response to the companys response to the above-referenced complaint. I believe the companys response fails to adequately address the serious legal violations, coercive servicing behavior, and improper foreclosure practices that have occurred following the discharge of my XXXX  XXXX bankruptcy on XX/XX/XXXX. 

This rebuttal complaint is not to be construed as a denial or rejection of any trial modification offer currently under review. I reserve all rights, while engaged in court-supervised mediation, to further review and either accept or decline the proposed modification on or before the current due date of XX/XX/XXXX, without prejudice to my claims, rights, or defenses. 

XXXX. Inadequacy of Companys Response Regarding Bankruptcy Discharge Violations The companys response acknowledges that my personal liability on the mortgage note was discharged in my XXXX XXXX  XXXX bankruptcy. However, it simultaneously affirms that I am obligated to make payments under a mortgage contract in order to avoid enforcement of a lien an action which directly contradicts the protections afforded to me under 11 U.S.C. 524 ( a ) ( 2 ), which prohibits attempts to collect a discharged debt whether directly or indirectly. The servicers use of acceleration notices, default statements, and foreclosure complaints that name me individually as the borrower and demand payment violates this federal statute. 

Request for Regulatory Review and Enforcement Action I respectfully request that the CFPB investigate the actions of Select Portfolio Servicing ( SPS ) and the Trust referred to as 'XXXX XXXX XXXX XXXX XXXX XXXX as Trustee for the benefit of the XXXX XXXX XXXX Loans Structured Transaction Trust, XXXX XXXX '. Their continued use of misleading notices, coercive foreclosure tactics, and disregard for federal bankruptcy discharge laws demonstrates a pattern of abuse that must be addressed through regulatory action. 


Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX, Connecticut XXXX XX/XX/XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: WI

Complaint narrative:
Im contacting you to formally dispute an item currently listed on my credit report that is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, the information in question does not meet the standard of maximum possible accuracy, as required under FCRA Section 607 ( b ).

I take my credit and financial record very seriously, and I expect that anything being reported under my name is fully accurate and properly verified. In this case, that standard is not being met. Whether due to outdated, incorrect, or incomplete reporting, the presence of this item is misrepresenting my credit history and unfairly affecting my financial reputation.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This is my third formal attempt to resolve the ongoing and unresolved inaccuracies in my credit report concerning late payment history on several accounts. I initially filed a dispute more than XXXX  days ago and followed up with a second submission, yet the information remains unchanged. I have not received any valid documentation verifying the legitimacy of these reported late payments. 

I am submitting this complaint directly as the consumer, not through any third party, and I am asserting my rights under both the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ). These laws mandate the maintenance of accurate and verifiable information on consumer credit files. 

Despite multiple dispute efforts, the following accounts still reflect alleged late payments : Disputed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I previously explained that these reported late payments may constitute billing errors under 15 U.S. Code 1666 ( b ), due to the following reasons : Payments were made on time but not properly credited.

There may be computation or accounting errors.

No billing statement was received at least 21 days before the due date, which is required to validate a late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: ENOVA INTERNATIONAL, INC.
State: OR

Complaint narrative:
XXXX  is reporting a fraudulent account ( # XXXX ) opened in my name without my knowledge or consent. I filed a police report with the XXXX XXXX  XXXX on XX/XX/year>, and submitted an identity theft affidavit and letter to XXXX  on XX/XX/year>. 

Under FCRA 605B, they were required to block this tradeline within 4 business days. As of today, it remains on my credit report, continuing to cause serious harm including employment rejections, emotional distress, and reputational damage. 

When I first disputed this, I didnt fully understand what had happened. The fraud involved someone inside my household, and at the time I was under pressure and still recovering from a car accident. That individual had power of attorney over me for 3 years and used that control to exploit my financial identity. I wasnt in a position to assert or protect myself due to limited capacity and trauma. 

Now that Ive regained my independence and control over my finances, Im taking action to correct the financial exploitation that I was previously unable to address. 

I have submitted the required documentation to XXXX. Their continued failure to remove this account is a violation of the FCRA. I am demanding that this account be permanently deleted from all credit reports. 

Additional Note : I was told I would receive a call from XXXX  Fraud Department, but no one has contacted me. I have detective contact information available, as criminal charges have been filed and full confessions were obtained from the responsible parties. Law enforcement is assisting me with this matter and is willing to speak directly with XXXX  upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: PA

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required 21-day notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm 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 2025-07-24 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 am writing to request the removal of fraudulent accounts and inquiries from my credit report. I am a victim of identity theft, and these items were not authorized by me.

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), please block and delete the unauthorized information. Enclosed are a list of the disputed items and my FTC Identity Theft Report.

I appreciate your prompt attention and request written confirmation once the corrections are made.

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 2025-07-24 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:
I am a victim of identity theft. My credit report contains accounts and inquiries I did not authorize.

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request the immediate removal of these items. Enclosed are a list of the disputed entries and my FTC Identity Theft Report.

Please confirm once the corrections are made.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required 21-day notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC
State: WA

Complaint narrative:
I attempted to make my scheduled XXXX mortgage payment to Fay Servicing using their online portal. The portal displayed {$850.00} as due, but I was blocked from submitting it and instructed to call customer service. I was then told my account had defaulted and was now subject to 18 % default interest despite no prior written notice of default, interest rate changes, or portal restrictions.

Two different reinstatement quotes were later sent both inconsistent and unexplained. Then I was told I could pay a reduced reinstatement amount ( {$2600.00} ) to stop foreclosure, but only if I paid that same day and without receiving any written agreement or deferment confirmation. I was told no documents would be sent until after payment.

Fay also continues to withhold information about the current noteholder/lender, despite my formal demand under UCC 3-501 ( b ) ( 2 ). Their representatives have cited a lender named " XXXX '' but refuse to provide an address or contact info, blocking me from verifying debt ownership. 

I believe Fay Servicing is manufacturing a default to force a higher payment while evading documentation, transparency, and consumer protections. This conduct appears deceptive and could impact borrowers nationwide. 

I have also filed complaints with the CFPB ( closed despite concerns ), XXXX, Florida and Illinois regulators. I request that the FTC investigate this pattern of obstructive and deceptive loan servicing behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I am filing a complaint against Midland Credit Management for violating the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by knowingly reporting a collection account with fraudulent charges to the credit bureaus, after I notified them of the fraudulent activity and disputed the debt. 

On XX/XX/year>, I spoke by phone with a representative from Midland Credit Management and informed them that although I did open the original account, a number of charges reflected on the account were fraudulent and not authorized by me. I explained that I was a victim of identity theft or financial abuse, and that I was not responsible for the full balance they were attempting to collect. 

I recorded this phone call, which clearly shows that I disputed the account balance and alerted Midland that it contained fraudulent activity. Despite this, Midland Credit Management reported the collection account to the credit bureaus on XX/XX/year>, without properly investigating my dispute, and without marking the account as disputed, which is a violation of my consumer rights. 

Their conduct violates the following laws : FCRA 623 ( a ) ( 3 ) Furnishers must not report information they know or believe is inaccurate.

FCRA 623 ( a ) ( 2 ) Once a consumer disputes an account, the furnisher must investigate and correct or delete any inaccurate or unverifiable information.

FCRA 623 ( a ) ( 1 ) ( A ) It is unlawful to furnish data to credit bureaus that is known to be inaccurate.

FDCPA 807 ( 8 ) Debt collectors must report a debt as disputed if the consumer has informed them of a dispute.

As a result of this failure to follow proper investigation procedures and knowingly reporting an account with fraudulent charges, my credit has been damaged. I am requesting that the CFPB investigate Midland Credit Management and : Require them to conduct a full and fair investigation, Mark the account as disputed with all credit bureaus, and Remove or adjust the inaccurate charges and balance accordingly.

I am prepared to submit a copy of the recorded call, a statement explaining the disputed charges, and any additional documentation to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: NC

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required 21-day notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm 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 2025-07-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I have recently opened an IRA with SoFi. Less than a week into having this account I was unable to make trades or move money in or out. It said, '' trading has been restricted for this account. '' I can not close it or withdraw my funds. I received no email or notice of any kind so I called. The investment specialist said they were not sure why, but another department had my account on hold. They gave me no reason or remedy. No time frame or course of action.

That was over a month ago. I made multiple ( 5 or more ) calls and was given no reason or recourse. Not one email, internal message, NOTHING addressing this concern. Just told to wait and it would work itself out. I am stuck holding stock in companies that I am unable to liquidate. This has caused my account to lose about XXXX $ as the stock depreciated and I could only watch it. 
This happened to my husband and I have a feeling it is related. He had to go through multiple agencies and called every day to finally get his money out XXXX weeks later. It's frustrating and unfair that I am losing money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Stellantis Financial Services US Corp.
State: TN

Complaint narrative:
I am reporting inaccurate and unauthorized information being furnished to my credit report by a company identified as FIRST INV SERVICING CO. The account is being reported as closed, but it still shows an active balance of {$19000.00}, along with XXXX potentially negative months. I believe this is misleading and damaging to my credit profile. 

I did not give consent for this company to furnish or report my personal information to the credit bureaus. I submitted formal disputes to XXXX XXXX XXXX in accordance with the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), requesting verification of this account. As of this complaint, I have not received sufficient documentation from either the company or the credit reporting agencies proving the accuracy or validity of this account.

This reporting appears to violate my consumer rights under the FCRA, including : Reporting unverifiable or inaccurate information ( 1681i ) Failure to maintain reasonable procedures for maximum accuracy ( 1681e ) Furnishing data without permissible purpose ( 1681b ) I am requesting that the CFPB investigate this matter and assist in either verifying or removing this account from my credit report. This situation has negatively impacted my ability to obtain credit and has caused undue stress.

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 2025-07-24 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



List of Unauthorized Inquiries : XXXXXXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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