vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
My credit report on TransUnion behalf has been inaccurate, my score went from XXXX + to XXXX, I looked at my score on XX/XX/XXXX, five minutes later, it dropped to XXXX, then a few days later it dropped to XXXX, that's a drastic dropped, when there were no activities going on with my credit. It has been the same activities since XXXX. 

Ally financial is still in litigation, the truck had gap insurance and there's a case been worked on by XXXX XXXX XXXX, XXXX. Law firm. Ally Financial should not be on my credit report as we speak.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I had a problem with identity theft an I filed a police report an alot of stuff on my credit report is wrong according to XXXX report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pa XXXX XXXX SSN : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Equifax XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX United States Subject : Dispute of Fraudulent XXXX XXXX Account Identity Theft I am writing to formally dispute a fraudulent account reported on my credit report. The account details are as follows : - * * Company/Organization : * * XXXX XXXX XXXX XXXX * Account Number : XXXX XXXX XXXXXXXX - * * Date Fraud Discovered : * * XX/XX/XXXX - * * Date of Dispute : * * XX/XX/XXXX - * * Total Fraudulent Amount : * * {$330.00} This account is not authorized by me and is a result of identity theft. I have attached a copy of the FTC Identity Theft Report for your reference. 

Under the Fair Credit Reporting Act ( FCRA ), I request that this fraudulent account be removed from my credit report immediately. Please conduct an investigation and delete this account from my credit history to reflect my true credit profile. 

Under 15 U.S.C. 1681c-2 ( a ), you are legally required to block and delete all information resulting from identity theft within four ( 4 ) business days of receipt of this notice.

I kindly request written confirmation once this matter has been resolved. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX * * Attachments : * * - FTC Identity Theft Report ID SSN PROOF OF ADDRESS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: FL

Complaint narrative:
I recently review a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-05-27 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: CA

Complaint narrative:
In XX/XX/XXXX, I disputed inaccurate derogatory information reported by XXXX XXXX XXXX to TransUnion, specifically a 90-day late payment and a {$6700.00} charge-off, both of which are factually incorrect. The vehicle loan was paid in full and closed as confirmed by a statement issued by XXXX XXXX XXXX XXXX on XX/XX/XXXX. I submitted this payoff documentation during my dispute and requested a reinvestigation under the Fair Credit Reporting Act ( FCRA ), including supporting documents and validation from the furnisher, per 15 U.S.C. 1681i ( a ). 

On XX/XX/XXXX, TransUnion responded with superficial updates to remarks and high balance fields, yet failed to correct the charge-off or the 90-day delinquency, both of which remain inaccurately on my credit report. I also requested an explanation of their verification procedures and the evidence relied upon, as permitted under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), but received no such disclosure. 

This reporting remains materially misleading and damaging, despite XXXX  having already removed the derogatory marks from my report. TransUnions failure to conduct a reasonable reinvestigation and correct known inaccuracies constitutes a violation of their statutory duty under FCRA 1681e ( b ) and 1681i. I request full redress : deletion of the inaccurate charge-off and late payment, written confirmation of correction, and a full description of their reinvestigation procedures and evidentiary findings.

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 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: FL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-28 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: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have been attempting to work with Select Portfolio Servicing ( SPS ) for over a year to resolve past-due mortgage payments through a loss mitigation application. Despite submitting multiple complete applications, SPS repeatedly delayed underwriting review beyond the allowable time, allowing key documents like bank statements to expire during their delay. They then marked my file as incomplete, triggering a repeated cycle of resubmission all without a final written decision.

On XXXX XXXX 2025, I submitted a formal Notice of Error ( NOE ) under 12 CFR 1024.35, detailing these servicing abuses. While the 30-day resolution period has not yet elapsed, this complaint is being filed due to SPSs longstanding pattern of misconduct, repeated dual-tracking behavior, and failure to provide a fair and timely review. I am also at risk of foreclosure due to a recently recorded Notice of Default, which occurred while SPS acknowledged my file was under active review.

I believe SPS is violating federal RESPA servicing standards and potentially California Civil Code 2923.6 ( c ), which prohibits dual tracking. I am requesting that the CFPB : - Investigate SPSs servicing conduct - Require them to issue a final decision on my modification request - Ensure foreclosure activity is paused while a complete application is pending review I have significant equity in the home and am making every effort to retain it responsibly. SPSs actions are not only unethical but may be unlawful, and I am asking for the Bureaus support to ensure a fair outcome.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: NC

Complaint narrative:
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 you have 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 XXXX  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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-28 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 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 you have 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 XXXX  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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: NC

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

XXXX XXXX XXXX - Date Opened XX/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 non-monetary relief
Consumer complaint received 2025-05-27 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 called XXXX XXXX which they claim as XXXX XXXX XXXX and they told me that someone opened a account in my named and they couldnt find anything or tell me anything and to place a fraud report and contact my credit bureaus to have it removed. I also called the XXXX XXXX XXXX  and they also said that I didnt have a line of credit or any account with them and to place a fraud report and contact my 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 2025-05-27 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: OH

Complaint narrative:
I called XXXX XXXX which they claim as XXXX XXXX XXXX and they told me that someone opened a account in my named and they couldnt find anything or tell me anything and to place a fraud report and contact my credit bureaus to have it removed. I also called the XXXX XXXX XXXX  and they also said that I didnt have a line of credit or any account with them and to place a fraud report and contact my 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 non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: AK

Complaint narrative:
I have attempted to resolve numerous times and have never received a response. I report the inaccuracy yearly and they have not responded once. There is a late payment showing in XX/XX/year>XXXX  that was never late.

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 2025-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Skrill USA, Inc.
State: OH

Complaint narrative:
My phone was hacked by someone claiming to be XXXX support for 16 days. They were on my phone using any viewer in any desk at the time they were able to do XXXX transactions to place called XXXX  out of my phone. resulting in {$650.00} in transactions and I have given all the information to them all the evidence turned everything in was total the XXXX that I would get a answer in XXXX days still havent Ive called multiple times asked to speak to supervisor they tell me theres not XXXX available. They were not answering me back on the messages that hed say they will it past 10 days that I turned it in in writing. I turned it in and on the on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: TX

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year> 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 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I made XXXX payments totaling {$380.00} from my XXXX checking account to my Comenity Bank credit card using XXXX  online bill pay system. These payments were initially accepted by Comenity but later not credited to my account. I have since learned the account number Comenity received was incorrect, though the bank insists they sent the information exactly as entered. I proved to them on a call in XXXX of XXXX. However the lady I was talking to insisted I should delete out my bill XXXX and start over. According to XXXX this was a mistake since this has in their words deleted all my history, and the say they can not retrieve it. They provided me the transaction numbers an the id numbers, but it list the account number " XXXX XXXX '' out and only the end numbers are present. However, it can be proven it left my account and went to Comenity. I have submitted the XXXX pages with the id numbers to Comenity however they are saying XXXX is not giving them the correct information and XXXX says they have given all they need. 

I have filed over XXXX disputes with both institutions. XXXX claims they processed the payment as instructed and the funds were accepted by Comenity. Comenity claims the information was incorrect and blames XXXX. I am now out {$380.00}, with no credit to my card and no return of funds to my bank. 

I am requesting that either Comenity credit the payment to the correct account or return the funds to XXXX. I can provide bank statements, transaction IDs, and copies of disputes.

Company response to consumer: Closed with monetary relief