vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I am very disappointed in this mortgage company. I feel like they are trying to take my property when I sent in over XXXX on my mortgage and the payments were never applied to my account. I have the receipts to show that this company just holds my payments and don't cash them and never applied them to my account. This company have filed a motion to have my house taken out of the XXXX  on XXXX when they are not doing their job. I was told the loan modification package will be sent it over XXXX weeks ago That never happened. They refused to post my payments to my account and the financial institutions need time to refund me back my money, I sent XXXX money in and none of them was applied to my account and i get a motion to dismiss my XXXX  case because I DIDNT pay when i sent in payments. I'm asking for an investigation to be done on my mortgage for property XXXX XXXX XXXX XXXX XXXX XXXX IL. I Will provide receipts and I'm attaching receipts and if they all want upload I Will provide a copy to your office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: FL

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-05-29 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: CA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: CA

Complaint narrative:
I am writing to formally dispute the debt I.Q. Data XXXX XXXX XXXX are attempting to collect for XXXXXXXX XXXX  Reference : XXXX, as the amount they are pursuing is incorrect and inconsistent with the court-ordered judgment in this case. 

Please find the attached copy of the official court judgment, which clearly outlines the amount awarded. Their collection effort reflects a different and inflated balance that was not authorized by the court. Pursuing additional amounts through third-party collection after a judgment has already been issued is not only incorrectit 's illegal. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the following : A detailed validation of the debt amount you are claiming. 

A written explanation as to why the amount differs from the court judgment. 

An immediate halt to any further collection activity until this dispute is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: MI

Complaint narrative:
I was a victim of identity theft I provided proof with info from police reports, irs proof of identity theft, I had no choice but to file bankruptcy because of identity theft transunion is holding me accountable but i have paperwork & provided proof of identity theft. Late payments from fraud accounts yet to be removed due to fraud. Collections that i have proved were fraud still not removed inquiries several still not removed this is a nightmare please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: MA

Complaint narrative:
My credit rating goes down XXXX XXXX points because their system deletes an account on the list.They then email me and ask me to resign them back in.They say sorry but it is a system error.The following month my rating goes back XXXX to XXXX time I try to get in touch with them they apologize and say that this problem is not on the menu.This is an ongoing problem with these clowns. I do not excel with dealing with these types of problems.Please help. Respetfully 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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies in unauthorized accounts/information reported to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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:
Ive recently received a copy of my credit report and noticed several inaccuracies in unauthorized accounts/information reported to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-29 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: NC

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3000.00}

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 2025-05-29 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a XXXX of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I looked on my credit report and saw I had names that are not my name, address that were never mine and late fees from accounts that are not mine. I reported that to all credit bureau and they were to investigate. They came back saying it was correct but how if you couldnt verify properly. 


XXXX XXXX XXXX XXXX XXXX- I never had a card or made an account 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 2025-05-29 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:
This morning, I discovered some incorrect accounts listed on my credit report, and I have no clue where they came from. I routinely check my credit report, but this time, unexpected errors appeared. I even refreshed my browser thinking it might be a technical glitch, but the incorrect accounts remained. Due to this, I kindly request that the documents I submitted be reviewed carefully to ensure I no longer have to worry about such issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
The debt does not belong to me as there is no agreement or acknowledgment of any debt owed. My signature on an agreement is not provided on any documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: MI

Complaint narrative:
I was a victim of identity theft I provided proof with info from police reports, irs proof of identity theft, I had no choice but to file bankruptcy because of identity theft transunion is holding me accountable but i have paperwork & provided proof of identity theft. Late payments from fraud accounts yet to be removed due to fraud. Collections that i have proved were fraud still not removed inquiries several still not removed this is a nightmare please help

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 2025-05-29 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: MI

Complaint narrative:
I was a victim of identity theft I provided proof with info from police reports, irs proof of identity theft, I had no choice but to file bankruptcy because of identity theft transunion is holding me accountable but i have paperwork & provided proof of identity theft. Late payments from fraud accounts yet to be removed due to fraud. Collections that i have proved were fraud still not removed inquiries several still not removed this is a nightmare please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am writing to file a formal complaint against Midland Credit Management ( MCM ) for engaging in credit abuse, re-aging debt, imposing retaliation fees, and harassing me with constant calls following my disputes, in violation of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other consumer protection laws. I request your assistance in investigating these practices and protecting my consumer rights. 
Last pay delinquency was Not in XXXX. 
Backdate last payment was XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account with XXXX XXXX  XXXX AND XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX XXXX  AND XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was

mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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:
My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am a victim thats been accused of fraud from Truist Bank. I received a tax refund from the IRS and deposited into an account with Truist Bank on XX/XX/XXXX. I made a deposit for over XXXX dollars. I made the deposit and spent almost half the money, in XXXX weeks or less my account was closed and I was told my check was Fraudulent. I had approximately XXXX left in my account. I was asked to send in documentation to prove where it came from. I did that and no response was given back to me. Fast forward to today XX/XX/XXXX over XXXX months later. I have yet to receive my money back. I have yet to receive a response from the bank. Ive called several times and have spoken to every person at the bank. I keep getting told that Its still under review and that my money is now being handled in the back office and theres nothing that they can do. I am extremely frustrated and this cant be legal.

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 2025-05-29 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:
Limited amount of information ( Defended words ) 1. I already submitted everything required ID, proof of address, and dispute details. Claiming it was limited is false and misleading. ( My response ) If you believe please provide specific information ( defended words ) 2. Thats gaslighting. I already clearly stated the item is not mine/unverifiable. Youre creating a fake loop to avoid proper review. ( My response ) We do not return correspondence ( Defended words ) 3. Refusing to return documents that I own is denial of access and shows bad faith. Thats a red flag. ( My response ) May take up to 30 days ( defended words ) 4. Youve had more than enough time and already responded in bad faith before. Youre using time as a tactic. ( My response ) We ask the furnisher to verify if they can not resolve, we forward it ( defended words ) 5. If the furnisher cant verify it, the law says delete it not forward it. Youre dragging it out unlawfully. ( My response ) This has been emotionally draining. Ive had restless nights, loss of appetite, and nonstop back-and-forth. Its mentally exhausting because Im being manipulated, misled, and disrespected. Boundaries have been crossed and Im tired of the games, Defended is abusing their power by intentionally making the process confusing, restarting my dispute, and asking for the same information I already provided. Thats manipulation This is power being used to delay, discourage, and silence me not to resolve anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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