vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a complaint against XXXX XXXX XXXX  XXXX XXXX single late payment from XX/XX/XXXX reported on my credit file. This isolated late payment, caused by a one-time insufficient funds issue due to my wife transferring money, is the only mark in over XXXX years of perfect payments on this account. Despite my requests, Mr. Cooper refuses to XXXX a goodwill adjustment to remove this late payment, which I find absurd and unfair given my long history of timely payments. 
Their response claims the Fair Credit Reporting Act ( FCRA ) requires reporting the late payment ( reversed XX/XX/XXXX, paid XX/XX/XXXX ), but the FCRA does not prohibit goodwill adjustments. Their refusal to address this, combined with their documented history of servicing issues, suggests unfair practices. I have requested removal in writing, but they have not complied. 
Please investigate this matter and assist in resolving the issue. I am prepared to engage a consumer attorney if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of Fort Walton Beach, Inc
State: AL

Complaint narrative:
I am disputing a collection account reported by Collection Bureau of Ft. Walton for {$14000.00}, allegedly owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Reasons this account is inaccurate and unlawful : 1. Improper Reporting Dates : The collection is reported as closed on XX/XX/XXXX, but also as opened on XX/XX/XXXX. This is contradictory and violates the Fair Credit Reporting Act ( FCRA ), which requires accurate reporting. 
2. Late Security Deposit Claim : Under Florida Statute 83.49, landlords must provide a written claim against a security deposit within 30 days of move-out. 
My move-out date was XX/XX/XXXX. 
The landlords claim form is dated XX/XX/XXXX ( almost 3 months later ). 
Because the claim was late, these charges are legally invalid. 
3. Inflated and Unsubstantiated Charges : The landlord billed unreasonable fees, including : {$1300.00} for painting {$1600.00} for attorney fees {$900.00} for wall damage {$1500.00} trash/out fees Many of these appear to be beyond normal wear and tear, and no receipts or invoices have been provided to justify the amounts. 
4. Shared Liability Misrepresentation : The lease lists two residents ( XXXX XXXX and XXXX XXXX ). 
The collection agency has not provided proof that I alone owe the full balance, nor evidence of how liability was assigned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XXXX Subject : Credit Report Dispute Inaccurate Collection Account To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report. The account in question is listed under the name Credit Collection Services ( CCS ) and is being reported as a collection account. I have no knowledge of this creditor and have never had any financial relationship with them. Furthermore, CCS is claiming to be the original creditor, which I believe is false and misleading. 

This account appears to be either : - A case of mistaken identity, - A misreported debt that was sold or transferred without proper documentation, - Or potentially the result of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be investigated and removed from my credit report if it can not be verified with accurate and complete documentation. 

Please conduct a thorough investigation and provide me with the results. If the account can not be verified, I request that it be deleted from my credit file. 

Attached are copies of my identification and a copy of my credit report highlighting the disputed item. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PREFERRED CREDIT INC
State: TX

Complaint narrative:
I am writing to file a formal consumer complaint regarding identity theft and inaccurate information that has appeared on my credit reports. I recently reviewed my credit file and discovered several addresses listed that I have never lived at. These addresses appear to be the result of fraudulent activity and are damaging my credit history. 

Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, I have the right to dispute any information on my credit report that is inaccurate, incomplete, or can not be verified. The inclusion of these false addresses violates my rights under this statute. 

This inaccurate information raises serious concerns regarding identity theft. I believe that my personal identifying information XXXX have been used fraudulently, and I request that the FTC investigate this please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Business Factors
State: NV

Complaint narrative:
I have disputed this account multiple times through XXXX XXXX, XXXX, and XXXX, yet it remains. This debt is not mine and must be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. Enclosed are the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: GA

Complaint narrative:
This is my 3rd and final formal dispute letter to TransUnion, demanding the immediate removal or correction of the inaccurate, incomplete, and unverified information listed below. You are now in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, which mandates a reasonable reinvestigation of disputed data.

You have failed to provide any legally sufficient documentation to verify these accounts. Continued reporting of unverifiable or erroneous data is unlawful and actionable under 1681n and 1681o, which allow me to pursue actual, statutory, and punitive damages. 

Disputed Accounts : XXXX. XXXX Account reflects charge-off status with conflicting and unverified payment records. 

XXXX. XXXX XXXXXXXX XXXX Inconsistent settlement information ; no full documentation provided after multiple disputes. 

XXXX. XXXX XXXXXXXX XXXX XXXX Repeatedly reported late without verification ; unverifiable charge-off. 

XXXX. XXXX XXXX ( XXXX ) Delinquency and balance inconsistencies with no substantiating evidence. 

XXXX. XXXX XXXX XXXX late payment listed without supporting documentation or billing history. 

XXXX. XXXXXXXX XXXX Alleged charge-off account with lack of verification following previous disputes. 

XXXX. XXXX XXXX XXXX XXXX Discrepancies in status updates and poor validation. 

XXXX. XXXX XXXX Conflicting charge-off and balance reporting ; unverifiable. 

XXXX. XXXX XXXX XXXX Continued derogatory marks after dispute ; unverifiable payment status. 

I DEMAND : - Immediate deletion of the above accounts unless verified with complete legal documentation. 
- An updated credit report reflecting these deletions. 
- Written confirmation of your actions within 15 calendar days. 

Failure to comply will result in formal complaints with the CFPB, FTC, and my state attorney general. I am fully prepared to take legal action to protect my rights. 

This is your final notice.

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 2025-08-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I open an account with openbank XXXX This was through XXXX my cell phone XXXX. They have an association with openbank. 
I had the funds transferred from XXXX bank on the XXXX, my online account app showed the funds were pending. Then on the XXXX my account shows its on hold. In calling the customer service they said my account is under review and somebody will get back to me when they have a chance. They can not provide me the name or department that is put me under review or when this review will be completed.

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 2025-08-20 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: FL

Complaint narrative:
Im submitting a follow up on my previous request to remove fraudulent items from my credit file. These accounts are not connected to any transactions I made or authorized, and I believe they resulted from identity theft. Some of these items have already been removed by other credit bureaus, which raises further concerns about their accuracy. The payment history reported is unclear and unfamiliar to me. Under FCRA 605B ( c ) ( 1 ) ( C ), I understand you may only keep such information if it's proven to be accurate. So far, I havent received any valid proof. Please review and remove the disputed items from my file as soon as possible.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: NV

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, XXXX USC sections XXXX you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} CITI XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} XXXX XXXX SVC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$32000.00} XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: NV

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, XXXX USC sections XXXX you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} CITI XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} XXXX XXXX SVC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$32000.00} XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 2025-08-20 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: NY

Complaint narrative:
please delete fraudulent inquiry XXXX  from my credit report

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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have filed multiple disputes with Equifax, Experian, and TransUnion regarding inaccurate and unverifiable information on my credit reports. Over the past year, I have submitted at least five disputes in XXXX and several in XXXX. 

Each time, I specifically requested verification documents such as account contracts, billing statements, proof of debt ownership, and authorization for inquiries. Instead of providing any supporting documentation or evidence of their investigations, the credit bureaus only sent me final results letters restating the information, without verification.

Under the Fair Credit Reporting Act ( FCRA ), the credit bureaus are required to conduct a reasonable reinvestigation and provide the method of verification when disputed items remain. They have failed to do this, despite my repeated disputes.

I am requesting that the CFPB require the credit bureaus to either : 1. Provide full supporting documentation showing that these accounts, collections, and inquiries are valid, accurate, and legally reportable ; or 2. Delete the disputed items from my credit reports in compliance with the FCRA.

Supporting dispute letters from my most recent round are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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:
I have filed multiple disputes with Equifax, Experian, and TransUnion regarding inaccurate and unverifiable information on my credit reports. Over the past year, I have submitted at least five disputes in XXXX and several in XXXX. 

Each time, I specifically requested verification documents such as account contracts, billing statements, proof of debt ownership, and authorization for inquiries. Instead of providing any supporting documentation or evidence of their investigations, the credit bureaus only sent me final results letters restating the information, without verification.

Under the Fair Credit Reporting Act ( FCRA ), the credit bureaus are required to conduct a reasonable reinvestigation and provide the method of verification when disputed items remain. They have failed to do this, despite my repeated disputes.

I am requesting that the CFPB require the credit bureaus to either : 1. Provide full supporting documentation showing that these accounts, collections, and inquiries are valid, accurate, and legally reportable ; or 2. Delete the disputed items from my credit reports in compliance with the FCRA.

Supporting dispute letters from my most recent round are attached.

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 2025-08-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
I made a loan online thinking that I would be paying a set term XXXX time per month. This company is charging me daily interest and are expecting multiple payments per month. I told them that I am struggling and cant afford it and asked if they would accept XXXX payment per month and to stop the daily interest or if they would do a settlement with me. They declined both of what XXXX asking. The balance is steadily going up and I just cant afford it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: FL

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-08-20 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: FL

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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 SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: MI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation