vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 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: SC

Complaint narrative:
I am writing to request an investigation into the following accounts currently reflected on my credit reports. I believe that the information being reported is inaccurate and requires correction in accordance with the Fair Credit Reporting Act ( FCRA ). Please investigate the following discrepancies and provide me with a response detailing the outcome of your investigation. 

CHARGED OFF MXXXX XXXX - XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX - XXXX, XX/XX/XXXX, {$640.00} XXXXXXXX XXXX - XXXX, XX/XX/XXXX, {$0.00} XXXXXXXX XXXX - XXXX, XX/XX/XXXX, {$0.00} XXXX - XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX - XXXX, XX/XX/XXXX, {$7100.00} XXXX - XXXX XXXX, XX/XX/XXXX, {$0.00} XXXXXXXX XXXX  - XXXX, XX/XX/XXXX, {$1700.00} INQUIRIES XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX LATE PAYMENT XXXX XXXX XXXX - XXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Mortgage — Conventional home 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: FL

Complaint narrative:
In XXXX of this yr XXXX XXXX sold my loan to Selene Finance, at the time I was paying XXXX, and they took over and wanted to charge me XXXX because of Escrow shortages. I pd XXXX in XXXX, it put me in a bind, I had to borrow money to pay that XXXX. Ive been trying to tell them to spread my escrow out so I can catch up, 1 month went by and then another month, they sent me a letter telling me my new payment is XXXX. 
So I called the same month they said I need to pay off what I owe first and then Ill start paying the XXXX. Each month they kept telling me I cant speak to anyone but the customer service rep. That alone put me XXXX going on 4 months behind. Selene Finance are scammers and XXXX Mortgage also, now Im being threatened about losing my home and XXXX XXXX and on XXXX raising XXXX grandkids. The older ones went back to their mom. Im taking care of a XXXX, XXXX XXXX XXXX XXXX  child and an XXXX yr old. This is not fair for us now I dont have the money to pay cause Im so far behind, I need a forbearance or a company to help me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: OH

Complaint narrative:
I am submitting this complaint because my Experian credit report contains information that I believe may be inaccurate or unverifiable. I request a reinvestigation under FCRA 611. 

Charged-Off Accounts in Dispute XXXX  XXXX XXXX XX/XX/XXXX {$0.00} Please verify this account with the original creditor. Remove it if it can not be verified. 

Inquiries in Dispute XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify that each inquiry was authorized by me. Remove any inquiry that can not be verified. 

Late Payments XXXX XXXX XXXX Please verify this late payment. Remove or correct if unverified. 

There are currently no positive accounts in dispute with Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
This letter serves as my formal cease and desist notice regarding any and all collection activity your company has initiated against me. I am fully aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), which clearly states that once a consumer requests in writing for all communication to stop, a debt collector must immediately comply. 

I am disputing the validity of the alleged debt your company is attempting to collect. I have no record, recollection, or proof that such an obligation exists, and your continued contact and reporting are both harassing and damaging to my credit and peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
XXXX company is falsely charging me debt over a product that was already paid off and was requested to be picked up and cancelled in year XXXX  before my eviction notice and date. They recently added this to my credit and it negatively impacted my score. The account was supposed to be closed but somehow XXXX years later it had risen out of nowhere. I will be showing you the documents they had sent me and please let me know any further steps on how to get this off my credit. I refuse to pay for something that was supposed to be already handled and taking care of XXXX years ago when it use to be an active service. I disputed this debt yesterday and now they're trying to force me to pay off something I know I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi closed my accounts ENDING XXXX on XX/XX/year> and is holding {$7800.00} ( checking ) and {$6000.00} ( savings ) for XXXX  days, even though only the {$6000.00} relates to an ACH. 
Company : Citibank Total : {$13000.00} Requested resolution : Overnight cashiers check for {$7800.00} now ; return {$6000.00} to XXXX ( or provide specific policy basis and firm release date ). 
Citibank closed my accounts on XX/XX/year> ( I received a closure letter ). I was told I must wait XXXX  days ( through XX/XX/year> ) for a check. The balances are {$7800.00} in checking ( not connected to any ACH ) and {$6000.00} in savings from my wifes XXXX prepaid card via XXXX. I went to the XXXXXXXX XXXX branch and provided my marriage certificate ( Im married to XXXX XXXX ) and her signed letter confirming the {$6000.00} was legitimate and authorized. 
I requested that Citi ( XXXX ) immediately release the unrelated {$7800.00} in checking by overnight cashiers check with tracking, and ( XXXX ) return the {$6000.00} to XXXX. If Citi refuses to reverse the {$6000.00}, I ask for the specific policy/regulatory basis for a XXXX hold on that {$6000.00} only and a firm mail date ( with tracking ) no later than XX/XX/year> if the XXXX period runs from the XX/XX/year> closure date. Im receiving conflicting answers, encountering language-barrier issues, and this delay is causing hardship ( rent and car payment ). There is no fraud and no bad checks.

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 monetary relief
Consumer complaint received 2025-10-30 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:
I had a balance on my account for XXXX XXXX  and XXXX XXXX, However since Im back in school and enrolled, my payments for deferred but somehow my credit went down XXXX points and it says the balance is past 30 days but when i log into my account for these, it says i dont even have a balance. So Im confused on why 1 ) its saying its past due and 2 ) why my credit went down when its deferred

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: MO

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, 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 2025-10-30 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: MO

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, 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 2025-10-30 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:
I am writing to request an investigation into the following accounts currently reflected on my credit reports. I believe that the information being reported is inaccurate and requires correction in accordance with the Fair Credit Reporting Act ( FCRA ). Please investigate the following discrepancies and provide me with a response detailing the outcome of your investigation. 
Charged Off Accounts : XXXX 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 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX XXXX XXXX XXXX  -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX  XXXX  XXXX  that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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 filing this complaint because [ XXXX XXXX XXXX XXXX  TransUnion ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in XXXX XXXX XXXX XXXX XXXX XXXX XXXX the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in XXXX XXXX XXXX XXXX XXXX XXXX TransUnion paid {$23.00} XXXX after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : 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 non-monetary relief
Consumer complaint received 2025-10-30 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: NC

Complaint narrative:
I am filing this complaint because [ XXXX  / Equifax XXXX XXXX  ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in XXXX XXXX XXXX XXXX XXXX XXXX XXXX the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in XXXX XXXX XXXX XXXX XXXX XXXX TransUnion paid {$23.00} XXXX after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : CHARGE OFF - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc
State: MO

Complaint narrative:
I filed a dispute with Checkr about a mislabeled background report. My conviction was Careless and Imprudent Driving ( XXXXXXXX XXXX  ), but Checkr reported it as Reckless Driving. Checkr denied my dispute within minutes, showing they did not conduct the required reinvestigation. I am attaching the Missouri court record proving the correct offense.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to respectfully request your assistance regarding several late payment marks ( XXXX, XXXX, and XXXX ) reported by XXXX XXXX XXXX  on my credit report. These late payments do not reflect my usual payment habits or sense of financial responsibility. 

During the time these delinquencies occurred, I experienced unexpected financial hardship that temporarily affected my ability to make timely payments. Since then, I have worked hard to bring my account current, maintain consistent on-time payments, and improve my overall credit health. 

I deeply value my relationship with XXXX XXXX XXXX  and have demonstrated responsible credit use since that time. I am kindly asking that these specific late payments be removed as a goodwill adjustment to better reflect my current payment behavior and financial reliability. 

This correction would greatly help me in continuing to rebuild my credit and achieve future financial goals. I appreciate your time, understanding, and assistance in helping me resolve this matter fairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to respectfully request your assistance regarding several late payment marks ( XXXX, XXXX, and XXXX ) reported by XXXX XXXX XXXX  on my credit report. These late payments do not reflect my usual payment habits or sense of financial responsibility. 

During the time these delinquencies occurred, I experienced unexpected financial hardship that temporarily affected my ability to make timely payments. Since then, I have worked hard to bring my account current, maintain consistent on-time payments, and improve my overall credit health. 

I deeply value my relationship with XXXX XXXX XXXX  and have demonstrated responsible credit use since that time. I am kindly asking that these specific late payments be removed as a goodwill adjustment to better reflect my current payment behavior and financial reliability. 

This correction would greatly help me in continuing to rebuild my credit and achieve future financial goals. I appreciate your time, understanding, and assistance in helping me resolve this matter fairly.

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