vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Brennan & Clark, Ltd., LLC
State: GA

Complaint narrative:
On XX/XX/year>, I sent a certified dispute letter to Brennan & Clark ( XXXX XXXX # XXXX ), disputing an alleged debt of {$4100.00} that they claim is owed to XXXX XXXX. The letter was delivered and signed for in XXXX XXXX, IL on XX/XX/year>. 

Despite receiving the dispute, Brennan & Clark did not provide any validation or documentation as required by the Fair Debt Collection Practices Act ( FDCPA ). Instead, they continued to send collection emails and payment demands on XX/XX/year>, and XX/XX/scrub> XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. 

On XX/XX/year>, I mailed a formal cease-and-desist and demand-for-correction letter ( XXXX XXXX # XXXX ), which was delivered to Brennan & Clarks XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX The company again ignored this and continued its collection activity. 

Meanwhile, XXXX XXXX themselves sent me a letter dated XX/XX/year>, confirming that they owe my business {$17000.00} from an uncashed refund check, not the other way around. 

Brennan & Clarks ongoing attempts to collect a non-existent debt, after receiving multiple certified disputes and contradictory documentation from their own client, constitute false representation and continued collection activity without validation in violation of FDCPA 1692g ( b ), 1692e, and 1692d.

I am requesting that the CFPB require Brennan & Clark and XXXX XXXX to cease all collection efforts, confirm in writing that no debt is owed, and correct any internal or credit-reporting records reflecting this alleged balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Transform Credit Inc.
State: CA

Complaint narrative:
I am now filing my XXXX complaint about harassment against transform credit. They are attacking me without contacting the borrower, they are harassing me with threatening letters after being sent a cease and desist letter outlining their infractions. 

I need immediate intervention.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


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.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-10-13 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: SC

Complaint narrative:
I received an email stating Experians re-investigation of my credit report dispute was completed. I do not believe that they took ample time to complete this re-investigation of my credit report. I asked for documentation of debt validation from several companies. Of which I was not provided any kind of documentation at all. I asked specifically for the original contracts with my ink pen signature, original creditor, original account number, an itemized breakdown, proof of obligation, last billing statement, last payment date, the assignment contract, chain of ownership, authority to collect, and state licensing. Non was provided. They did not remove the addresses I specifically said where not my addresses. I would like proof that they are. I also asked that the Hard inquiries be removed from my credit due to my Identity theft report. I did not give anyone my explicit written consent to run my credit report. If there is no physical evidence of a signed w r item permission it must be removed. I also Asked that the soft crefit inquiries be removed also. It is obvious from the amount of inquiries on my report that I have been a victim of identity theft. If there is not proof of written consent they must be removed the dispute case that was previously opened with this credit bureau is still Open in your system, plus a few things are still in dispute.. 

Thank you 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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax XXXX breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within XXXX days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$2100.00} Account name XXXX XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: FL

Complaint narrative:
I recently pulled my credit report and noticed there are several missed payment report that are reporting inaccurately and without my knowledge. Please help me get these account removed immediately. I have reached out to the company via mail more than 50 days ago and no 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 2025-10-13 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: TX

Complaint narrative:
Pursuant to the provisions outlined in 15 U.S.C. 1666b, payments received by creditors must be promptly credited and reported accurately. I hereby dispute the erroneous reporting of late payments on the following accounts : Auto Loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXX * * * Credit Card account opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX account number * * * * Credit Card account opened at XXXX on XX/XX/XXXX account number XXXX * * * * * * Credit Card account opened at XXXXXXXX XXXX  on XX/XX/XXXX account number XXXX * * * * * * Credit Card account opened at XXXXXXXX XXXX on XX/XX/XXXX account number XXXX * * * * * * Auto Loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXX * * * Auto Loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXX * * *, as my payments were submitted timely. 
I demand immediate removal of this reporting error from my credit file. Failure to comply with this request XXXX subject your agency to legal liability for violating federal law. Confirm the results of your all corrections made to my credit report within XXXX ( XXXX ) calendar days.

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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Pursuant to the provisions outlined in 15 U.S.C. 1666b, payments received by creditors must be promptly credited and reported accurately. I hereby dispute the erroneous reporting of late payments on the following accounts : Auto Loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXX * * * Credit Card account opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX account number * * * * Credit Card account opened at XXXX on XX/XX/XXXX account number XXXX * * * * * * Credit Card account opened at XXXXXXXX XXXX  on XX/XX/XXXX account number XXXX * * * * * * Credit Card account opened at XXXXXXXX XXXX on XX/XX/XXXX account number XXXX * * * * * * Auto Loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXX * * * Auto Loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXX * * *, as my payments were submitted timely. 
I demand immediate removal of this reporting error from my credit file. Failure to comply with this request XXXX subject your agency to legal liability for violating federal law. Confirm the results of your all corrections made to my credit report within XXXX ( XXXX ) calendar days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: PA

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS XXXX XXXX XXXX - Acct # XXXX - BALANCE {$0.00} - XXXX XXXX XXXX XXXX - Acct # XXXX - BALANCE {$2900.00} - CLOSED PLEASE REMOVE THESE FRAUDULENT 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

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 2025-10-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: CreditNinja Lending, LLC
State: SC

Complaint narrative:
Credit Ninja month after month after month keeps send me material on loan qualifications. Then tells me I'm rejected. My question why repeatedly write wasting my time and theirs on something that does not mater like. It seems they could give loans if they didn't spend money like fools only to reject the people they are sending this junk to. Very frustrating as a consumer trying to mend his credit to be told no and then sending more letters month after month with same results. I feel this company is just trying to garner more information then trying to help. Very sad and trying to get help then being denied. Thanks for your time but I don't think I will ever get any positive 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 2025-10-13 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-13 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2025-10-13 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: MS

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRAUDULENT INQUIRIES : 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 2025-10-13 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: MD

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-13 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: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: PA

Complaint narrative:
I started paying my own home insurance XX/XX/XXXX and Selene received a letter from my state farm insurance agent stating Selene called the agency ( this is stated in an email I received from XXXX XXXX XXXX, XXXX, at XXXX XXXX 's office in Delaware. ) a Selene was informed I was paying it. Selene tried to send XXXX XXXX another check ( again ) and this was in XXXX XXXX they ahd sent a check in XX/XX/XXXX also and XXXX  XXXX returned it to them. Selene told XXXX at XXXX XXXX, my insurance company that they have about {$2800.00} in escrow for my house insurance and had to send it to XXXX XXXX by XX/XX/XXXX. Selene never returned that money to me or said what happened to it. 

Recently Selene raised my mortgage rate XX/XX/XXXX, as seen on that mortgage statement. One of their phone associates, XXXX, said it was for two home inspections that they conducted in XX/XX/XXXX and XX/XX/XXXX. I was never notified nor given a copy of any such report. Another agent, XXXX, told me XXXX  who had given me that information was incorrect and it was for other charges and the company would send me paperwork explaining it which they never did.. 

I paid about {$240000.00} for my home in XXXX and Selene is saying I still owe {$260000.00} I would like that explained .. A few months ago they said I owed {$270.00}. Selene just keep changing the number to their convenience. Selene also reported to the three credit agencies I was behind a month when i wasn't, and damaged my credit reports and I was even denied a credit card from my own bank.

Selene has caused me damages upon damages by incorrect records, withholding correct information, and now raising my monthly mortgage payment with no explanation.

Company response to consumer: Closed with explanation