vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: GA

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

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 2025-07-09 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: TX

Complaint narrative:
I am contacting you regarding a late payment inaccurately reflected on my credit report. After reviewing my financial records, I can confirm that the payment in question was made on time, and I have not defaulted during the specified period.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
Im a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. CPS ( auto finance ) and XXXX XXXX XXXX Ive never had an account with this agency or done any sort of partnershipAs required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed immediately and to correct the information.

Enclosed are copies of my state ID and social security card. Please reinvestigate these matter ( the disputed item ( s ) as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: IL

Complaint narrative:
The inquiries listed below were made without my knowledge or consent and are the result of identity theft. I have submitted an FTC Identity Theft Report along with supporting documentation to both the credit reporting agencies and the companies that made these inquiries. To date, no party has provided any authorization or evidence showing that I approved these inquiries. This failure to comply constitutes a violation of the Fair Credit Reporting Act. I would highly appreciate it if you could remove these items from reporting immediately. Failure to comply with this request should result in the immediate deletion of the items in question.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-09 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: GA

Complaint narrative:
My XXXX account was a charge off and a settlement was made with XXXX XXXX XXXX XXXX collecting for XXXX account ending in XXXX. The settlement amount was {$1500.00} and I made payments as follows : XXXX installment settlement payment ( s ) for your DISCOVERBANK account through XXXX XXXX XXXX XXXX for the account ending XXXX to pay the total settlement amount of {$1500.00} as follows? 

XX/XX/XXXX {$10.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$370.00} XX/XX/XXXX {$370.00} XX/XX/XXXX {$370.00} XX/XX/XXXX {$370.00} Totaling {$1500.00} - the account has been settled since XXXX and still will not update my credit report showing payments made nor will they update the balance. 

I have all supporting documents showing the payments being 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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
b'What company is this complaint about?\nJPMorgan Chase & Co.\n\nChase reported a late payment on my credit card account that caused a XXXX-point drop in my credit score (fromXX/XX/XXXX. This late payment was inaccurately reported due to Chases mishandling of my account.\nSpecifically:\n\tChase locked my online account and kept it on paperless billing, preventing me from accessing my balance, statements, or dispute portal.\n\tChase changed my credit card number without notifying me (from XX/XX/XXXXwhich caused me to lose access to the dispute and account information for the original card.\n\tI disputed XX/XX/XXXX in unauthorized charges and paid the remaining balance of XX/XX/XXXXin full.\n\tI received no communication from Chase about the disputed charges and reasonably assumed they were reversed.\n\tIn XXXX, after numerous calls, Chase disabled paperless billing so I could receive a statement. I immediately paid the remaining balance.\n\tDespite this, Chase reported a late payment, refused to investigate, and did not correct the inaccurate reporting.\nThis situation has severely impacted my credit score and financial well-being. I request that the CFPB assist me in getting Chase to correct my credit report and investigate their mishandling of my account.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: CT

Complaint narrative:
I am writing to dispute an inaccurately reported late payment on my credit report. I have a strong history of meeting my financial obligations and find this entry to be inconsistent with my past behavior.

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 2025-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
my payment was due XXXX and I used their system on XX/XX/year> and when I tried it told me the date XX/XX/year> had already passed and would not take my payment. I tried a second time which told me the same thing. I saw they had a chat bot so i went through the chat bot. it told me to try again and the payment of XXXX $ went through. I thought nothing more about it until i checked my account a couple of days later only to find it was taken out twice. I can not afford this. I just finished bankruptcy and dont need to be in the hole for XXXX XXXX I contacted the mortgage company ans spoke with a very nice girl who called my bank XXXX XXXX XXXX  .. my bank confirmed the double payment taken while i was on the phone with the bank and her. She told me it would be refunded to me in a day or two. mr cooper the mortgage company now refuses to return my money. it was a trick to get me to pay twice. i can not aford this delay as I am trying to buy a vehicle with ins. In am just XXXX XXXX over from bankruptcy and dont need this stress. I also was just released from a XXXX XXXX and trying to hold it together a nd they are putting over due stress on me. i want my money back so i can live on. they tricked me and one person admitted the problem and saw it and took action which she probably got fired or reprimanded for helping a customer. i sent in copies of my bank statements through their bot because the email thery gave out was no good. it did work and rejected everything. they should be held in con tempt for ripping people off. they have screen shots of my account. if they deny that then their lying..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Financial company sent amount owed to another creditors and it was paid off

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC
State: IL

Complaint narrative:
Financial company sent amount owed to another creditors and it was paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: OK

Complaint narrative:
I have been a victim of fraud. I recently discovered that my personal and/or financial information has been used without my authorization, resulting in fraudulent transactions and/or accounts in my name. On XX/XX/XXXX, I provided relevant details ( by mail ) of the incident to Experian, Equifax and Transunion. I included a Police Report and Identity Thef Report along with copies of acceptable identification. These three bureaus have concluded their investigation with No resolution.

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 2025-07-09 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: OK

Complaint narrative:
I have been a victim of fraud. I recently discovered that my personal and/or financial information has been used without my authorization, resulting in fraudulent transactions and/or accounts in my name. On XX/XX/XXXX, I provided relevant details ( by mail ) of the incident to Experian, Equifax and Transunion. I included a Police Report and Identity Thef Report along with copies of acceptable identification. These three bureaus have concluded their investigation with No resolution.

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 2025-07-09 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: PA

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: BSI Financial Holdings, Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the accuracy and legality of the reporting of the above-referenced mortgage account by BSI FINANCIAL SERVICES XXXX which appears on my credit reports with XXXX XXXX XXXX. This account, originally opened on XX/XX/XXXX, with a reported balance of {$250000.00}, was previously deleted from all three major credit bureaus as of XX/XX/XXXX, following a dispute. However, it was reinserted without notification on XX/XX/XXXX, in violation of FCRA 611 ( a ) ( 5 ) ( B ). This provision of the Fair Credit Reporting Act requires that if a previously deleted item is reinserted, the furnisher and consumer must be provided written notice within five business days. I received no such communication, making the reinsertion unlawful. 

Additionally, the account is being reported with multiple derogatory late payment notations30 days late in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I dispute the accuracy of these alleged delinquencies and request that BSI FINANCIAL SERVICES provide documentation verifying their validity, including payment records, statements, and any written notice sent to me at the time. Reporting inaccurate derogatory data on a mortgage tradeline severely damages my credit standing and is subject to enforcement under FCRA 607 ( b ), which mandates that all information provided to consumer reporting agencies must be accurate and complete. 

The failure to properly verify this account prior to reinsertion, the failure to notify me, and the inaccurate delinquency data all amount to willful noncompliance with federal consumer protection laws. Furnishing data that has previously been disputed, deleted, and later reinserted without meeting federal reinsertion requirements is not only misleading but may also expose BSI FINANCIAL SERVICES to civil liability under FCRA 616 and 617.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT

Complaint narrative:
Formal Complaint Against Select Portfolio Servicing ( SPS ) I received a bankruptcy discharge in XXXX ( Case # XXXX ), eliminating my personal liability for a mortgage debt. Despite this, Select Portfolio Servicing ( SPS ) continued to send me monthly mortgage statements demanding arrears, interest, and fees for over a decade. 
In XXXX, SPS assigned my loan to a XXXX XXXX XXXX ( XXXX  XXXX ) which had already closed in XXXX. No valid assignment or servicing authority was included in the foreclosure complaint, and the plaintiff s attorney sent me a demand for full payment, which violates 11 U.S.C. 524 ( a ) and the terms of my bankruptcy discharge. 
I continued to make mortgage payments during this period in confusion and under coercion, not understanding my exact rights. I feared falling further behind and acted out of desperation. Only recently, after deeply studying the Connecticut XXXX XXXX, Connecticut General Statutes, and bankruptcy law, did I realize the extent of the violations against me. 
This has caused extreme financial and emotional hardship. It is my hope that my sacrifice many sleepless nights learning and researching to protect my home can serve not only my defense but also to help other pro se homeowners who have been steamrolled by corporate misconduct, bad faith, and invalid assignments. Many people give up because they believe they can not fight these large institutions.

I respectfully request that the Consumer Financial Protection Bureau keep me informed of this investigation and provide any remedy or enforcement possible under law, including return of interest and fees paid under coercion, correction of credit reporting, and accountability for all violations committed. 
Formal Complaint Against Select Portfolio Servicing ( SPS ) If my case can help protect others from these abusive practices, then every hour I ve spent has been worth it. 
Sincerely, XXXX XXXX XXXX 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 2025-07-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Ive contacted Bank of America and XXXX  to dispute these charges. Bank of America cant locate the dispute and XXXX doesnt respond to calls or emails. 

Additionally, it takes Bank of America months to perform their investigation versus crediting the account as they should.

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 2025-07-09 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: DE

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal has violated my rights.

I looked at my credit bureau credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( 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. I kindly request that you block this information from my credit report within XXXX business days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Demonstrate the Full Chain of Title to the Account See enclosures XXXX. XXXX XXXX saying not my debt 2. Your failure to do the extreme basics of your job. Listed as " potentially negative '' but not XXXX not listed under collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
I am filing this complaint because the credit bureau has continued to report fraudulent accounts resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ).

More seriously, the bureau has reinserted previously deleted fraudulent accounts without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA 1681i ( a ) ( 5 ).

This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights.

The bureau has failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) / 15 U.S.C. 1681i, has not provided written verification or original documentation proving the legitimacy of the accounts, and continues to report unverifiable negative information, harming my credit and causing ongoing distress. 

XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation