vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I am unaware of this debt and did not have an opportunity to dispute this account. If you believe you sent proper notification please provide certificated mail with receipt with my signature if not, please delete this account as soon as possible from my credit report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: FL

Complaint narrative:
I recently closed on my home in XXXX and learned that Selene Finance would be my servicer. I have had issues with Selene Finance from day 1. The first issue, I should've had my insurance coverage from XX/XX/XXXX- XX/XX/XXXX escrowed however that didn't happen. My insurance coverage for my property lapsed XX/XX/XXXX due to non payment because Selene Finance failed to pay it. Every single week for 2 months myself and my insurance provider has reminded Selene to pay my insurance and they have yet to pay it. 
We sent emails prior to the lapse with the new declaration page and payment instructions however they ignored it. Every single representative I have spoken to has said they will expedite the request to get it paid but nothing has been done. I received a letter by mail informing me if I don't acquire insurance they will buy forced placed insurance which is more expensive. How is that legal when we made every attempt for XXXX months to communicate the renewal date for my insurance and even after the lapse we provided payment instructions? My escrow account has more than {$4000.00} in it and they continue to collect it with my mortgage payment however has not made an attempt to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required XXXX business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I attempted to pay a bill using both Citizens Banks XXXX XXXX and XXXX Banking. A message popped up saying I could only view payees but could not initiate any new payments from XXXX XXXX to XX/XX/year>. I called customer service and was told there is nothing I can do about it and I needed to either wait another week or find another way to pay a small business that I need to send money to. This business cant simply use my routing number to access my account, as was suggested by the CSR. My alternatives are to use a credit card or wait another week. 
I received NO NOTICE in advance of this shutdown. Moreover, the fact that Citizens needs NINE DAY to implement a planned update demonstrates that something is seriously wrong with their technical operations. Now I have to either be late on my bills or use alternate payment methods. I may have to incur debt on my credit card. The bank is essentially holding my funds illegally for this period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MD

Complaint narrative:
I have called several times to report that I was approved for a Total and Permanent Disability Discharge by the Department of Education since XX/XX/year>. Ive call Sloan Services several times to inquire why it is still showing that I have an open loan with them and a balance due. On the four conversation they stated that they finally received the information and it would take 10 days to process ; it has been over ten days and yet they still have not reported to the credit bureau that this loan has been discharged. This is holding up my credit process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/XXXX, my wallet and vehicle were stolen from my place of work ( XXXX XXXX XXXX XXXX ) between XXXX. I called XXXX at XXXX when I noticed my belongings were gone. I went on the Huntington app to see if whoever stole it had used my card, and there was a charge for {$38.00} at the nearby XXXX and a charge of {$100.00} at a nearby XXXX ( I have screenshots of these charges and they are also listed in the police report ). I immediately froze my card after noticing. I called Huntington the next day ( XX/XX/XXXX ) to dispute the charge, but since the charges were still pending, customer service said they could not dispute it until they processed. But they did cancel my card and order me a new one during that call. A couple days later, Huntington gave me a temporary credit for the {$140.00} that was spent on my card. On XX/XX/XXXX, Huntington sent a letter that explained that after their investigation, they found my charges to be authorized and notified me theyd be taking the credit back from my checking account on XX/XX/XXXX. on XX/XX/XXXX, the credit was removed from my checking account. on XX/XX/XXXX at XXXX, I called Huntington and asked about it being denied, the representative only said that the information was inconsistent. I explained how I had the police report that explained what got stolen, the fraudulent charges, etc. The representative suggested I go into a Huntington branch and talk to a representative. On XX/XX/XXXX, I went to the Huntington XXXX at XXXX XXXX XXXX. The representative scanned the pages of my police report and said they would send them. On XX/XX/XXXX, I received a notice stating that they will perform additional research using the information provided. I then received another notice stating that after investigating, they still found the charges to be authorized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I am unaware of this debt and did not have an opportunity to dispute this account. If you believe you sent proper notification please provide certificated mail with receipt with my signature if not, please delete this account as soon as possible from my credit report or I will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 61XXXX for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-08-31 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: NC

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-08-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Larry H. Miller Group of Companies
State: IL

Complaint narrative:
The car was put as a charge off but Im still receiving letters to repay what's owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: NC

Complaint narrative:
I am writing to formally dispute several inaccuracies on my credit report related to my account with XXXX XXXX, which have negatively impacted my credit score. 

Despite my efforts to rectify these inaccuracies, including numerous phone calls, written correspondence, and disputes submitted to the credit bureaus, the issues persist. Recently, I observed a XXXX decline in my credit score due to XXXX XXXX XXXX my account as closed. Although I disputed this information and they corrected it with the credit bureaus, my FICO score does not reflect this correction. 

Additionally, XXXX XXXX has incorrectly marked my account with 60-day late payment statuses when, in fact, I have never been more than 30 days late. This misrepresentation is particularly concerning, as they have consistently indicated that I had three 30-day late payments. The recent alteration to a 60-day late status is erroneous and suggests significant flaws in their reporting system. Furthermore, an unwarranted remark stating " service account '' has been added to my credit profile. 

I am in the process of purchasing a home, and these inaccuracies are hindering my ability to secure favorable terms. It is essential that these errors be corrected promptly to accurately reflect my credit history. If these inaccuracies are not resolved swiftly, I will be compelled to consider legal action to protect my rights. 

I appreciate your immediate attention to this matter and look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally dispute several inaccuracies on my credit report related to my account with XXXX XXXX, which have negatively impacted my credit score.

Despite my efforts to rectify these inaccuracies, including numerous phone calls, written correspondence, and disputes submitted to the credit bureaus, the issues persist. Recently, I observed a 14-point decline in my credit score due to XXXX XXXX XXXX my account as closed. Although I disputed this information and they corrected it with the credit bureaus, my XXXX score does not reflect this correction. 

Additionally, XXXX XXXX has incorrectly marked my account with 60-day late payment statuses when, in fact, I have never been more than 30 days late. This misrepresentation is particularly concerning, as they have consistently indicated that I had three 30-day late payments. The recent alteration to a 60-day late status is erroneous and suggests significant flaws in their reporting system. Furthermore, an unwarranted remark stating " service account '' has been added to my credit profile. 

I am in the process of purchasing a home, and these inaccuracies are hindering my ability to secure favorable terms. It is essential that these errors be corrected promptly to accurately reflect my credit history. If these inaccuracies are not resolved swiftly, I will be compelled to consider legal action to protect my rights. 

I appreciate your immediate attention to this matter and look forward to your prompt response.

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 2025-08-31 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: NC

Complaint narrative:
I am writing to formally dispute several inaccuracies on my credit report related to my account with XXXX XXXX, which have negatively impacted my credit score.

Despite my efforts to rectify these inaccuracies, including numerous phone calls, written correspondence, and disputes submitted to the credit bureaus, the issues persist. Recently, I observed a XXXX decline in my XXXX XXXX due to XXXX XXXX XXXX my account as closed. Although I disputed this information and they corrected it with the credit bureaus, my FICO score does not reflect this correction. 

Additionally, XXXX XXXX has incorrectly marked my account with 60-day late payment statuses when, in fact, I have never been more than 30 days late. This misrepresentation is particularly concerning, as they have consistently indicated that I had three 30-day late payments. The recent alteration to a 60-day late status is erroneous and suggests significant flaws in their reporting system. Furthermore, an unwarranted remark stating " service account '' has been added to my credit profile. 

I am in the process of purchasing a home, and these inaccuracies are hindering my ability to secure favorable terms. It is essential that these errors be corrected promptly to accurately reflect my credit history. If these inaccuracies are not resolved swiftly, I will be compelled to consider legal action to protect my rights. 

I appreciate your immediate attention to this matter and look forward to your prompt response.

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 2025-08-31 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: PA

Complaint narrative:
On XX/XX/XXXX, I discovered an account from XXXX reporting a balance of {$3100.00} on my credit report. 

On XX/XX/XXXX, I filed a written dispute with the credit bureau under the Fair Credit Reporting Act ( FCRA ) requesting verification of the accounts accuracy, completeness, and legal right to be reported. 

The credit bureau confirmed receipt of my dispute on XX/XX/XXXX but has not provided any documentation from XXXX verifying the account. Despite this, the account remains reported as accurate without proper verification. 

I am seeking assistance to ensure that the company either provides full documentation proving the accounts accuracy or removes the account if it can not be verified under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 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: PA

Complaint narrative:
On XX/XX/XXXX, I discovered an account from XXXX reporting a balance of {$3100.00} on my credit report. 

On XX/XX/XXXX, I filed a written dispute with the credit bureau under the Fair Credit Reporting Act ( FCRA ) requesting verification of the accounts accuracy, completeness, and legal right to be reported. 

The credit bureau confirmed receipt of my dispute on XX/XX/XXXX but has not provided any documentation from XXXX verifying the account. Despite this, the account remains reported as accurate without proper verification. 

I am seeking assistance to ensure that the company either provides full documentation proving the accounts accuracy or removes the account if it can not be verified under 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 explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: OK

Complaint narrative:
I scheduled a payment of {$1100.00} to be paid on the due date of XX/XX/year>. Goldman Sachs who services the Apple Card took out 2 separate payments that essentially totaled the entire balance of the card. The first payment was {$1300.00} and the second payment was {$700.00}. The only payment that was shown on my end was a single payment scheduled for {$1100.00} prior to the other payments being made. I'd initially scheduled the {$1100.00} payment earlier in the month of XXXX. I contacted support and they informed me that they can't cancel the payment nor could they refund the payment. They put in some report error case that said they'd investigate. I highly doubt this will resolve to my satisfaction. I'd had a similar error occur previously where the payment was able to be refunded but now I'm being told that that solution is not possible. A multinational, multi-billion dollar financial institution won't collapse by refunding my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am disputing a debt that LVNV/Resurgent Capital Services is reporting on my credit file. I have no contract or agreement with Resurgent, and they have not provided any validation of the debt despite requests. This debt appears inaccurate and is causing harm to my credit profile. I am requesting that Resurgent provide proper validation or remove the account from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: CA

Complaint narrative:
It has come to my attention that my personal information was exposed in an Equifax, XXXX, and National Data Breach. Upon reviewing my credit report, I identified several accounts that I am not familiar with. I have requested validation of these debts from your agency, but to date, the information has not been provided. 

As my personal information was compromised, I have filed a complaint with the Federal Trade Commission ( FTC ) regarding the fraudulent accounts on my credit file. 

Enclosed please find supporting documentation : -Copy of my Government-Issued Identification -Copy of my Social Security Card -Copy of my FTC Identity Theft Report -Copy of my Affidavit of Identity -Copy of my most recent Utility Bill I demand that these accounts be blocked and removed immediately from my credit file. Please provide written confirmation that these items have been deleted, and send me an updated copy of my credit report. 

Thank you for your prompt attention to this matter.

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 2025-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Credit acceptance is creating a high interest.they claim i owe more on the car then is really owe. Car payment should be paid in full in XX/XX/year>. They keep reporting that 180 days late on my credit report which is not true

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