vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Equifaxs repeated failure to address my disputes with care and thoroughness is now more than just negligenceit has become a pattern, one that echoes the same serious concerns the Consumer Financial Protection Bureau has already investigated. I will not allow my credit file to remain stained by errors that Equifax has failed to verify or remove, especially when that failure comes at a direct cost to my well-being and future. You have an obligation to treat consumer disputes seriously, and yet it feels as though my concerns have been dismissed entirely.

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days, and to delete any information that can not be fully and independently verified. That means verifiable proofnot assumptions, not recycled data from unreliable sources. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be incomplete, inaccurate, or unverifiable must be corrected or removed entirely. I am demanding immediate corrective action, not another automated response. If you fail to do your job now, I will escalate this matter through every available channel. You are not just mishandling datayou are mishandling lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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 formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable.

Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: AZ

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. 1681 ). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND EQUIFAX Despite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under 15 U.S.C. 1681e ( b ) and 168li of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: Opportunity Financial, LLC
State: MS

Complaint narrative:
These debts are the results of identity theft or fraud! I dispute the validity of this debt! It never should have been reported on my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: CL Holdings LLC
State: MS

Complaint narrative:
These debts are the results of identity theft or fraud! I dispute the validity of this debt! It never should have been reported on my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Mortgage — FHA 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: SC

Complaint narrative:
I have been charged {$600.00} in additional fees on top of my {$1800.00} monthly mortgage payment without prior written notice or explanation by Selene Finance for the month of XXXX and XX/XX/year>. This occurred during a loan modification that was in process. My bankruptcy attorney handled all my paperwork as far as getting the loan modification paperwork to me and back to XXXX. I have requested a full breakdown, legal basis, and documentation under the Real Estate Settlement Procedures Act ( RESPA ), Section 6. This charge appears unauthorized and may constitute a servicing violation. I am requesting the CFPB to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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 have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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:
Upon reviewing my Consumer Reports, I discovered some instances of these accounts are not authorized to be on my report. FTC-XXXX, FTC-XXXX, FTC-XXXX reports are attached to this report. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with the utmost accuracy.

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 2025-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
Gulf Coast Collection Bureau Inc., XXXXXXXX XXXX XXXX XXXX XXXX XXXX Sent a physical statement that includes XXXX different account numbers and amounts due. The company can not be reached. I contacted the hospital, radiology, and affiliated providers, whom all stated there is no outstanding balances. And, the account numbers do NOT match their formats for account numbers. And, none of these providers would include XXXX separate accounts and balances due on a single collection notice. 

This company can not be verified. The information, including the supposed debits are false.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: TX

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable.

Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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 2025-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
In XX/XX/year>, my mortgage servicer approved me for a payment deferral. However, I was unable to finalize acceptance because of late mail delivery and lack of timely written communication from the servicer. I appealed this twice, explaining the communication delays and my willingness to bring the account current in good faith. 

Despite this, the servicer continues to deny my request, stating that I am not eligible because I already received a deferral this year. This is incorrect, the original deferral was never completed and should not be counted as used. 

The servicers repeated denials, without acknowledging the incomplete status of the first deferral, are now resulting in negative reporting on my account. I am requesting : Immediate correction of my account records to remove any reference to an unused deferral. 

Reconsideration of my current request for a deferral under the correct eligibility status. 

I have acted in good faith to resolve this matter and keep the account in good standing. The servicers refusal to properly review my case is causing financial and credit harm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was turned down for a car due to Experian deleting my address from my credit profile. I sent in proof of my identity card with the correct address two weeks ago and also called several times. A representative from Experian mentioned that updating information should take up to 24 to 72 hours, but now it has been two week

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Incorrect Personal , has violated my rights.

I looked at my credit bureau TransUnion credit report on 8-11-2025 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 generally, 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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I kindly request that you block this information from my credit report within four business days

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 2025-08-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Glasser and Glasser, PLC
State: VA

Complaint narrative:
Provided an agreement settlement and then had no record of it upon call back. Requested for all calls to be reviewed as no one you are able to speak with is authorized to do anything. No confirmation for formal complainant request or resolution provided by company. Supervisor unaware of CFPB procedures and didnt even know what it standard for asked me what it was this should be very alarming for all involved as this is representative of a XXXX XXXX XXXX Very disappointed in the conduct of the representatives at this company I would like an formal investigation into this XXXX XXXX and there collection practices as well as garnishment processing handling of legal information and reporting of false information incorrect balances and personal information listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: OH

Complaint narrative:
Complaint Title : Failure to Block Fraudulent Accounts and Remove Inaccurate Information Violation of 15 USC 1681c-2 Complaint Details : On XX/XX/year>, I submitted formal written disputes and identity theft blocking requests to Experian, Equifax, and TransUnion under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

My submissions included : FTC Identity Theft Report Government-issued ID Proof of address Detailed list of all fraudulent accounts, collections, repossessions, late payments, and hard inquiries ( including duplicates ) Supporting credit report excerpts Under 15 U.S.C. 1681c-2, the consumer reporting agency is required to block all information that resulted from identity theft within 4 business days of receiving the proper documentation. Today is XX/XX/year>, Day 5 well beyond the statutory deadline, and the disputed items remain.

This failure to comply is a clear violation of federal law and subjects the bureaus to liability for {$1000.00} per violation under 15 U.S.C. 1681n and 1681o. I am escalating this matter to the CFPB to enforce immediate removal and to preserve my right to file suit.

The items in dispute include items in attachment on initial report I am requesting the CFPB to take immediate enforcement action to compel deletion of these items from my credit reports and ensure compliance with the FCRAs identity theft blocking provision.

Attachments Provided : 1. FTC Identity Theft Report 2. Dispute letters ( dated XX/XX/year> ) 3. Proof of ID & address 4. Credit report excerpts highlighting disputed items 5. Proof of mailing/delivery receipts ( See Attachments )

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 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am requesting help with a credit card fraudulent charge that Bank of America, where I have been a customer for over 30 years, continues to reject my claim but it is fraudulent. This has been going on since XX/XX/year>. I

never ordered what they claim and have had multiple meetings to get this resolved. They claim it is a digital product that they have no paperwork to support this. Even the total cost of digital product is incorrect. Summary of Case Claim # XXXX I discovered an unauthorized charge for {$1200.00} from " XXXX '' from XXXX on my statement dated XXXX, XXXX, XXXX  I did not authorize or benefit from this transaction. 
I reported the fraud to Bank of America immediately, but they refused to remove the charge. 
I submitted a written dispute letter via certified mail on XX/XX/year> to the Fraud department after 4 meetings and multiple conversations with the Fraud Department. 
As of today 's date, XX/XX/year>, Bank of America has failed to resolve this dispute.

I have provided detailed documentation that more than supports that this was a fraudulent charge. 

Bank claims digital transactions were redeemed on XXXX but can not tell who and what was bought and what and where it was sent.

Bank of America can not provide a signed receipt or anything regarding transaction.

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 2025-08-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND XXXX PLEASE REMOVE THESE FRAUDULENT INQUIRIES : -XXXX XXXX XXXX XXXX PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : -XXXX XXXX XXXX XXXX XXXX XXXX Opened on XX/XX/year> XXXX 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 explanation