vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 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: FL

Complaint narrative:
This complaint details new, severe, and egregious FCRA violations by Equifax, adding to the issues in my existing comprehensive complaints ( CFPB IDs XXXX, XXXX ). On XX/XX/year>, my XXXX XXXX report ( based on Equifax data ) revealed active manipulation of my credit file : Repeated, Unauthorized 'Open ' Status for XXXXXXXX XXXX ( # XXXX ) : For the second time in less than a week, Equifax is reporting my previously closed and charged-off Discover Card as an 'Open credit card account '. This is fundamentally inaccurate and unauthorized. This contradicts Equifax 's own official report ( XX/XX/year> ) showing it as 'CLOSED '. This action caused my utilization to be 156 % and my Equifax XXXX to drop by XXXX points. 

Re-insertion of Deleted XXXX XXXX LL ( # XXXX ) : Despite being officially 'Deleted ' by Equifax on XX/XX/year>, and the furnisher agreeing to delete ( XX/XX/year> ), the XXXX XXXX LL account is now re-inserted and actively reported as a " {$910.00} Collection ' on my Equifax report. This is a direct and willful re-insertion of deleted, unverifiable information. 

Payment History Manipulation ( XXXX & XXXX XXXX ) : Equifax has altered payment histories for XXXX XXXX XXXX ( # XXXX XXXX ) and XXXX XXXX XXXX ( # XXXX ) by introducing XXXX ' periods and changing statuses ( e.g., XXXX, XXXX XXXX ). 

Removal of 'Consumer Disputes ' Remark ( XXXX XXXX ) : Equifax explicitly removed the 'Consumer disputes- reinvestigation in progress ' remark from my XXXXXXXX XXXX XXXX XXXXccount, attempting to erase evidence of my ongoing dispute. 

This pattern demonstrates profound and willful disregard for accuracy, transparency, and my consumer rights, causing immediate, measurable harm, including a XXXX point score drop and a downgrade of my 'Derogatory Marks ' factor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint against the credit reporting agencies TransUnion, Experian, and Equifax for failing to ensure the maximum possible accuracy of the information they report on my credit file, as required under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ).

I recently disputed several derogatory accounts on my credit report and requested verification. Despite my request, some of the accounts came back as " verified, '' yet they still reflect incorrect, incomplete, or inconsistent information across the three credit bureaus. 

XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account number XXXX Reported inconsistencies among all bureaus as follows : Date account opened XX/XX/year> vs XX/XX/year> Balance {$1700.00} vs {$1700.00} I believe the credit reporting agencies have failed to conduct a proper reinvestigation and are continuing to report inaccurate and misleading information. Under the FCRA, information must be complete and verifiable, and the current reporting fails that standard. 



Provide documentation of the verification method used. 

Ensure all reported accounts meet the standard of maximum possible accuracy. 

The continued reporting of unverifiable or conflicting data is damaging my creditworthiness and causing harm. 

Additional Information : I have retained documentation/screenshots showing the discrepancies. 

Disputes were submitted through the appropriate channels and responses were inadequate. 

These actions violate my rights under the FCRA.

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint against the credit reporting agencies TransUnion, Experian, and Equifax for failing to ensure the maximum possible accuracy of the information they report on my credit file, as required under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ).

I recently disputed several derogatory accounts on my credit report and requested verification. Despite my request, some of the accounts came back as " verified, '' yet they still reflect incorrect, incomplete, or inconsistent information across the three credit bureaus. 

Account : XXXX Account number : XXXX Inconsistencies reported from all reporting bureaus as follows : Date opened XX/XX/year> vs XX/XX/year> High credit {$1400.00} vs {$1500.00} Account type details I believe the credit reporting agencies have failed to conduct a proper reinvestigation and are continuing to report inaccurate and misleading information. Under the FCRA, information must be complete and verifiable, and the current reporting fails that standard. 


Provide documentation of the verification method used. 

Ensure all reported accounts meet the standard of maximum possible accuracy. 

The continued reporting of unverifiable or conflicting data is damaging my creditworthiness and causing harm. 

Additional Information : I have retained documentation/screenshots showing the discrepancies. 

Disputes were submitted through the appropriate channels and responses were inadequate. 

These actions violate my rights under the FCRA.

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 2025-07-26 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:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
IN 2021 MY PHONE WAS HACKED AND I WAS THE VICTIM OF HUGE SCAM THAT COMPROMISED MY CITIBANK ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX XXXX  AND I WAS SCAMMED OUT OF XXXX THESE COMPANIES CONTINUE TO ILLEGALLY AND IN BAD FAITH REPORT FALSE NEGATIVE CREDIT INFORMATION ON 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 2025-07-26 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: OK

Complaint narrative:
XXXX has not responded to my dispute letters and no communication was sent to me. I am requesting a fair review and deletion of these inaccurate items, since the data breach my account has been used for credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: LA

Complaint narrative:
My loan was sold to Selene XXXX I was on or in a loan modification program with them they sent me some documents to sign and get notarized and send back. And I also have a copy of the same paperwork that was sent to me. So I XXXX  it back to them it was signed by a representative of their company as XXXX XXXX On my XXXX  receipt. Then I was later informed by Selene XXXX  That they never received None of my documents, And was not allowed to make any more payments due to the fact of being kicked out of the program. And I need to start all the way over again. and reapply In the mist of me starting over Ive been getting denied for various reasons since the month of XXXX. It is now XXXX and XXXX still being denied. Ive called several times Ive sent all documentation that was asked of me. I sent proof along with supporting details that I can make the monthly payments. Still getting denial letters Ive asked to speak with upper management. Ive asked to speak with someone in the loan litigation department still have not yet speak to anyone who can give me answers on why I keep getting denied. Ive been placed on foreclosure several times, but no one never gave me all answers on why. 
I feel that this company is very unprofessional, Due to the fact that I want and willing to do whatever it to save my house for my daughter and I

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: VA

Complaint narrative:
I have attempted to contact and mail to verify my allegedly owed/collection account. This company has an address listed, yet a certified letter was sent and returned stating the address is not correct. I have attempted to call the business, yet still no progress. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
XX/XX/XXXX stayed at XXXX XXXX in XXXX, XXXX. XX/XX/XXXX and paid {$100.00}. Then charged for a stay on XX/XX/XXXX for the same amount when we were XXXX hours away in XXXX  XXXX. Filed dispute with Wells Fargo and was denied stating I authorized the charge but I did not and did not stay there in XXXX. And they did not even bother to contact the hotel. Contacted the merchant and after weeks of back and forth they have no record of the charge in XXXX or a reservation for me in XXXX. Double charged and neither the bank or the hotel is willing to refund me. I did not authorize the XXXX charge in XXXX and they're is either a scam going on at the hotel or with Wells Fargo.

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 2025-07-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Data and Contact Management Solutions, LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am writing in response to a notice I received from DCM Services referencing my alleged death and estate. This is a serious error. I am alive, and this correspondence contains false and damaging information. 

I am about to enter XXXX XXXX  Training with the United States XXXX XXXX and will have limited contact availability. I left a voicemail on XX/XX/XXXX around XXXX stating to DCM the same, and I am now requesting immediate correction of your records. 

Please remove any deceased indicator or estate-related account associated with my name or address. 

Failure to correct this may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and further legal action for defamation, identity risk, and interference with federal processing. 

Name : XXXX XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Please confirm in writing that this error has been resolved. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: AZ

Complaint narrative:
Im asking for your assistance to investigate accounts from these companies that inaccurately report late payments. Ive reviewed my credit report and found entries showing late payments where there shouldnt be anythese should not appear. Please remove those remarks and correct the accounts to reflect a positive status, as previously agreed.

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 2025-07-26 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: AZ

Complaint narrative:
Im asking for your assistance to investigate accounts from these companies that inaccurately report late payments. Ive reviewed my credit report and found entries showing late payments where there shouldnt be anythese should not appear. Please remove those remarks and correct the accounts to reflect a positive status, as previously agreed.

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 2025-07-26 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This agency is infringing on your consumer rights by using misleading, false, and deceptive tactics. I've already tried to resolve these issues directly with them, but they continue to violate my rights. For each violation listed, I am entitled to {$1000.00}. They must either compensate me or remove these accounts immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
There are several inaccuracies in the personal information section of my credit report, including outdated addresses that no longer apply to me. I have provided supporting documents for your review and request that these incorrect addresses be removed from my report without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: TX

Complaint narrative:
These accounts are being reported under my name without my knowledge, consent, or authorization. I have never opened, managed, or approved these accounts. This is a serious violation of my rights and has resulted in false and misleading information being attached to my financial record. 

I take my credit profile extremely seriously, and the presence of these fraudulent accounts is both unacceptable and deeply alarming.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BSI Financial Holdings, Inc.

Complaint narrative:
I have a mortgage being serviced by BSI Financial for a property that is in XXXX. I have never been late on a payment, nor have I ever made an incomplete payment. Their internal accounting system started reversing my payments and not crediting them toward my loan balance in XXXX. Since then I have been getting harassed with e-mails asking for payments and late fees. I was baited by these notices to send in an additional payment, which has also not been assigned properly to the ledger. Most recently I was sent a debt collection letter that suggested maybe I should find more affordable housing. I am currently a XXXX XXXX XXXX in a XXXX XXXX and I'm trying to get them to stop harassing me and fix their issue via emails. See attachments for transaction history and letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I woke up this morning with XXXX separate emails that I had a hard credit inquiry made on XX/XX/year> by XXXX XXXX. This was not made by me. My last credit inquiry was made to the same bank on XX/XX/year>. It is also showing up on my XXXX XXXX account.

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 2025-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SLM CORPORATION
State: NJ

Complaint narrative:
15 us code 1692 ( G ) validation of the debt requesting forward flow agreement chain assignment purchase agreement Insurance claim of debt am I wet signature agreement agreeing that I own the debt under the Fair Credit Report act fcra section 611 you are required to verify the accuracy of this item if you can not fully verify it within 30 days it must be deleted please send me written confirmation of the results of your investigation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: CO

Complaint narrative:
I have reported to Experian, TransUnion, and Equifax, that the on or around XX/XX/year> that the XXXX XXXX XXXX  Accounts being reported on my credit report was not in alignment with fcra guidelines and has been reported falsely including incorrect ACCOUNT numbers, dates, and other various items that are not matching add up correctly and insisted a proper reinvestigation be done. furthermore to provide me with the details of the reinvestigation and the steps taken during the reinvestigation. All three credit reporting companies have not gotten back to me with my request and continue to report false and misleading information which is damaging my credit and reputation. Experian for one has not made it possible for me to even see the results of previous disputed items that they have finished reviewing. the accounts are both XXXX XXXX XXXX XXXX accounts. They have also not been including who the original creditor is making it impossible for me to verify its validity or confirm who the original creditor is and if the accounts belongs to me.

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 2025-07-26 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-07-26 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I received a letter from Experian Report # XXXX for XX/XX/year> that is a stall letter because my identification etc. was included in the dispute that was forwarded to experian to investigate immediately. I hired a 3rd party to dispute inaccurate information for me and Experian is refusing to investigate. At this time I am not interested in disputing myself for free. This is nothing but a stall tactic used by Experian to delay this credit repair company hired by me XXXX XXXX. My identification is on file with Experian and the company has sent my information to Experian as well. I want Experian to start the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation