vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX bought debt with incorrect amounts These were secured credit cards that had cash deposits that I was not able to charge above and beyond the credit amount. 
I had XXXX and had XXXX XXXX  during these years and there was no balance. The collections have added tons of charges in late fees and interest when the cards were closed. 
Its impossible to owe when the limits were secured and only what I paid into. 
Ive been disputing these charges on tXXXX XXXX XXXX XXXX since XXXX. 
Its affecting my credit score and preventing me from being approved for an apartment to move into. 
I dont have a contract with XXXX XXXX and have never heard of them. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Show closed accounts Confirmation number : XXXX Submitted XX/XX/XXXX Under investigation Completed Confirmation number : XXXX Submitted XX/XX/XXXX Under investigation Completed XX/XX/XXXX XXXX Dispute results remain online for approximately XXXX  XXXX  from the completion date. Download now for your records. 
Download dispute results Confirmation number : XXXX Submitted XX/XX/XXXX Under investigation Completed myXXXX  XXXX Confirmation number : XXXX Submitted XX/XX/XXXX Under investigation Completed XX/XX/XXXX XXXX  Dispute results remain online for approximately XXXX XXXX from the completion date. Download now for your records. 
Download dispute results Confirmation number : XXXX Submitted XX/XX/XXXX Under investigation Completed XX/XX/XXXX XXXX Dispute results remain online for approximately XXXX XXXX from the completion date. Download now for your records. 
Download dispute results Confirmation number : XXXX XXXX myXXXX XXXX Submitted XX/XX/XXXX XXXX investigation Completed XX/XX/XXXX XXXX  Dispute results remain online for approximately XXXX XXXX from the completion date. Download now for your records. 
Download dispute results Confirmation number : XXXX Submitted XX/XX/XXXX Under investigation Completed XX/XX/XXXX XXXX Dispute results remain online for approximately XXXX XXXX from the completion date. Download now for your records. 
Download dispute results XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: General Motors Financial Company, Inc.
State: AZ

Complaint narrative:
I noticed several unknown and unauthorized credit inquiries on my credit report. I did not approve these inquiries, and I believe they may be fraudulent. I submitted a complaint to the credit reporting company, but they have not responded. 

GM FINANCIAL XXXX : XXXX. XXXX, XXXX GM FINANCIAL XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





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 2025-06-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Posted erroneous collection activity in XXXX  with both TransUnion and XXXX  that dropped my XXXX Scores From HIGH XXXX 's to unscorable and 4 at TU. Experian when disputed immediately to be removed from report but left score at unscorable. TransUnion left on report for a year despite XXXX Mailings of erroneous posting not presented for payment to medical insurers XXXX and waited until XXXX sent a letter to say payment never presented for payment.

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 2025-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: HI

Complaint narrative:
I started a loan modification request with Select Portfolio Servicing, Inc. ( SPS ) on XX/XX/year>. Since then, the process has gone in circles for nearly a year without resolution. SPS repeatedly collects all required documents, confirms they have everything, and initiates the appraisal step. Then, after waiting the maximum amount of time, they request one more item. 

Once thats submitted, they restart the process again, redoing the appraisal step and asking for another document. By that time, previous documents have expired, and the cycle starts over. This has happened multiple times, despite my consistent and timely compliance. 

Each time I ask for a final list of documents, a clear timeline, or explanation, I receive vague updates and no decision. SPS is using delay tactics that make it impossible to complete the process, while appearing responsive on the surface. 

Im requesting CFPB oversight to stop this bad-faith cycle, require SPS to finalize a decision, and prevent further unnecessary delays based on expired documents caused by their own inaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
I am writing to dispute several inquiries on my ChexSystems report. I believe some of them are inaccurate or were not authorized by me. 

Please investigate the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-06-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: TX

Complaint narrative:
I made a {$250.00} purchase on XX/XX/year>, using my Cash App Card for merchandise sold by an online business operating under the XXXX XXXX. The package was shipped via USPS and was expected by XX/XX/XXXX, but tracking has shown In Transit with no updates since that date. 

I contacted the merchant multiple times, including on XX/XX/XXXX, and have received no response. I filed a dispute with Cash App and was denied. I then contacted XXXX XXXX, which also denied the dispute. 

This is a clear case of non-receipt of goods. I provided all tracking details and communication history, but the case was closed without resolution. I am requesting a re-investigation and a full refund under consumer protections for undelivered merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am seeking your help in beginning an investigation into the accounts in question, as they are not being accurately reported on my credit report. As provided by USC 1681g, I am formally requesting their removal within 15 days. All relevant supporting documents are included for your careful review. It is also important to point out that the information reported is inconsistent and incorrect across different credit bureaus.

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 2025-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-24 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> - {$970.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
This letter serves as a formal billing error dispute under 15 U.S. Code 1666 ( b ) and a direct dispute under the Fair Credit Reporting Act ( FCRA ).

Billing Error Violations under 15 U.S. Code 1666 ( b ) : Failure to properly reflect payments made or credits issued.

Computation or accounting errors. 

Failure to provide billing statements 21 days prior to the due date. 

Since no proper billing statements were provided prior to reporting late payments, any derogatory reporting on these accounts constitutes an illegal billing error. You have no legal basis to report any late payments. 

Accounts In Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reporting a 30-day late for XX/XX/year> on all three bureaus without valid documentation, original billing statements, or Metro 2 compliance. No proof of delinquency exists. You are reporting fabricated data. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting 30-day lates for XXXX and XX/XX/year>. This is factually incorrect, unverifiable, and violates FCRA and Metro 2 standards. 

Violations Identified : 15 U.S. Code 1681b No permissible purpose to report inaccurate derogatory information.
15 U.S. Code 1681e ( b ) Failure to ensure maximum possible accuracy.

15 U.S. Code 1681i Failure to conduct proper reinvestigation within 30 days.

15 U.S. Code 1681n and 1681o Willful and negligent noncompliance with the law. 

I demand immediate deletion of these late payments across all reporting platforms. This is not a request. This is a demand backed by federal law. If these accounts are not corrected or deleted immediately, I will file for monetary damages under 15 U.S. Code 1681n in small claims court for willful violations of my consumer rights.

Be advised that this complaint has also been submitted to : Consumer Financial Protection Bureau ( CFPB ) State Attorney Generals Office XXXX XXXX XXXX XXXX XXXX  XXXX Federal Trade Commission ( FTC ) You are fully liable for any continued reporting of inaccurate data.

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 2025-06-24 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: TX

Complaint narrative:
This letter serves as a formal billing error dispute under 15 U.S. Code 1666 ( b ) and a direct dispute under the Fair Credit Reporting Act ( FCRA ).

Billing Error Violations under 15 U.S. Code 1666 ( b ) : Failure to properly reflect payments made or credits issued.

Computation or accounting errors. 

Failure to provide billing statements 21 days prior to the due date. 

Since no proper billing statements were provided prior to reporting late payments, any derogatory reporting on these accounts constitutes an illegal billing error. You have no legal basis to report any late payments. 

Accounts In Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reporting a 30-day late for XX/XX/year> on all three bureaus without valid documentation, original billing statements, or Metro 2 compliance. No proof of delinquency exists. You are reporting fabricated data. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting 30-day lates for XXXX and XX/XX/year>. This is factually incorrect, unverifiable, and violates FCRA and Metro 2 standards. 

Violations Identified : 15 U.S. Code 1681b No permissible purpose to report inaccurate derogatory information.
15 U.S. Code 1681e ( b ) Failure to ensure maximum possible accuracy.

15 U.S. Code 1681i Failure to conduct proper reinvestigation within 30 days.

15 U.S. Code 1681n and 1681o Willful and negligent noncompliance with the law. 

I demand immediate deletion of these late payments across all reporting platforms. This is not a request. This is a demand backed by federal law. If these accounts are not corrected or deleted immediately, I will file for monetary damages under 15 U.S. Code 1681n in small claims court for willful violations of my consumer rights.

Be advised that this complaint has also been submitted to : Consumer Financial Protection Bureau ( CFPB ) State Attorney Generals Office XXXX XXXX XXXX XXXX XXXX  XXXX Federal Trade Commission ( FTC ) You are fully liable for any continued reporting of inaccurate data.

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 2025-06-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief