vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Selene Holdings LLC
State: NH

Complaint narrative:
Payments made to and received by the prior loan servicing company, XXXX XXXX XXXX XXXX were not credited to my account. Selene Finance, the loan servicing company that took the management of my account in XX/XX/year>, have no record of my monthly payments of mortgage and XXXX  paid XXXX to XX/XX/year>, and have failed to correct this significant problem! I have sent the proof Selene Finance requested of those payments and their receipt to Selene Finance and Selene has nonetheless proceeded toward foreclosure on the basis of non-payment, despite having the proof this is a false assertion. Furthermore, Selene Finance has neither addressed nor corrected the escrow dispute ( escrow raised in XX/XX/year> by prior loan servicing company S/N was well in excess of amounts allowable by law ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-23 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: SC

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 explanation
Consumer complaint received 2025-06-23 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: MS

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 2025-06-23 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: NE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Non-Decedent Executor and Beneficiary of the Trust Estate XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN Trust Account : XXXX SUMMARY OF VIOLATION : This complaint is submitted regarding an act of commercial dishonor and fiduciary breach arising from the wrongful denial of a credit card application # XXXX by XXXX XXXX ( via Barclays Bank Delaware ) in XXXX XXXX XXXX XXXX location XXXX 

I, XXXX XXXX XXXX, a living man and lawful beneficiary of the trust estate tied to the Social Security Number XXXX, submitted a lawful application for creditbacked by said trust account and all collateral interest associated therewith. 

The company received and used my trust credentials and estate-based identifying number to access and evaluate trust-derived financial data. Despite this, they denied credit and concealed the underlying evaluation, acting in commercial bad faith. 

This constitutes : Breach of fiduciary trust obligations under commercial law Wrongful presumption of debtor status against the living man Denial of rightful credit owed to the trust 's beneficiary and principal Fraudulent withholding of financial benefits and unjust enrichment I DO NOT ACCEPT THE DENIAL. 


NOTICE OF ESCALATION : Failure to resolve this matter within 10 business days will result in formal reporting to : The IRS for misuse of trust-backed securities The SEC for potential securities fraud Initiation of commercial lien actions FINAL DECLARATION : I remain the XXXX XXXX XXXX XXXX, non-decedent living man, standing in full authority over the trust estate. This is a lawful claim, demand for remedy, and notice to perform in honor. 

Signed with full reservation of rights, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Non-Decedent Executor and Beneficiary Date : XX/XX/XXXX Email : 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 2025-06-23 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: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
On XX/XX/year> I received confirmation that the Borrower Defense Application which was involved in a class action law suit titled " XXXX XXXX XXXXXXXX '' - the results of this lawsuit are as follows Discharge your Relevant Federal Student Loan ( s ) ; Provide a refund for any payments made to the Department of Education on your Relevant Federal Student Loans including Relevant Federal Student Loan debt that you previously paid off ; and Delete the credit report tradeline associated with the discharged loan ( s ).

Federal Student Aid and their partner AidVantage have refused to delete the tradelines. This is causing me damages- preventing me from qualifying for an appropriate new mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am disputing a collection account reported by Credit Collection Services ( CCS ) on my credit report. The entry does not list the name of the original creditor and does not include an account numberonly masked or generic data.

I have never received a written validation notice or documentation supporting this alleged debt. CCS has failed to comply with the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), which requires a debt collector to provide the name of the original creditor and the amount of the debt within XXXX days of initial contact. 

This tradeline also violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) by reporting incomplete and unverifiable information. Under Seamans v. Temple Univ., 744 F.3d 853 ( 3d Cir. 2014 ), even technically accurate data can be misleading and thus deemed inaccurate under the FCRA.

If a consumer reporting agency can not verify the information, it must be deleted within 30 days under 15 U.S.C. 1681i. See also Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ), which requires a reasonable, independent investigationnot blind reliance on the furnisher.

I request that CFPB require CCS to immediately produce the name of the original creditor, a signed agreement ( if applicable ), and proof of ownership or assignment of the alleged debtor otherwise delete the account from all consumer reporting agencies.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I contacted Capital One about credit card charges on XX/XX/year> stating there were fraudulent charges on my credit card accounts. Both credit cards had charges that I didn't make. I was then told my phone number was changed on my account when speaking with the representative about the continued charges on or about XX/XX/year>. Things spiraled from there. My address was changed on my account and clearly a take over of the account was happening because I was told I could not make changes to my account. I was told I was making payments on the accounts which I never did due to the fraudulent charges. Its clear on my credit report how many times I've had to ask for fraud protection with a note put on the account. Its also clear that the address for XXXX XXXX XXXX Mo. is inaccurate for me as I live at XXXX XXXX XXXX XXXX XXXX It was told to me that this address was used to make changes and payments on my account. The address was also changed on the credit card account. I'm not sure how to get Capital One to report the credit card charges as fraud and close my account considering they allowed a takeover of the account which they told me they could do nothing to stop. I was forced to close the account because of this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: CBC Companies, Inc.
State: LA

Complaint narrative:
I have previously disputed with XXXX XXXX and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor 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 badly hurt 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 explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
Dear Gm Financial I am writing to request validation of the debt you claim I owe on account number [ Account XXXX ]. As per the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request proof that this debt is valid and that you have the authority to collect it. 
To facilitate this process, please provide the following documentation : 1. A copy of the original contract or agreement between me and the original creditor.

2. A detailed breakdown of the amount you claim I owe, including the principal balance, interest, and any fees.

3. Proof that you have the authority to collect this debt, such as documentation showing the chain of assignments from the original creditor to your company. 

Please provide the requested documentation within If I do not receive the validation within this timeframe, I will assume that the debt is not valid, and I will not make any further payments. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I deposited a check in the amount of {$9000.00} on XX/XX/year> XXXX. I was informed that a hold has been placed due to confidential information that indicates the check may be returned. 

Id like to raise a few important concerns under Regulation CC : 1. Availability of First {$220.00} : Under 12 CFR 229.10 ( c ) ( 1 ) ( vii ), when an exception hold is placed, the first {$220.00} of a check deposit must still be made available by the next business day in this case, by XX/XX/year>. My account is not new, and I have not been informed of any fraud-related issue. Please clarify why this {$220.00} was not released as required by law. 
2. Required Written Notice & Contact Information : According to 12 CFR 229.13 ( g ), I am entitled to a written notice that : Clearly states the reason for the hold Lists the amount being held States the date the funds will be available Provides the name and phone number of a person at Truist who can answer questions about the hold I was only given a general explanation and a XXXX number, which does not meet the legal requirements under Regulation CC. 

I am respectfully requesting that this be corrected and that a proper written notice be provided. If not resolved, I will need to submit a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) to ensure compliance with federal banking regulations. 

Thank you for your time and attention to this matter. 

It is now XXXX funds are not released and I have not been given proof of exception.

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I contacted equifax to see why my score fell from XXXX to XXXX in one month, I have not opened Any new accounts? I've been paying my bills on time.They can't give me an explanation of why this happened

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: TX

Complaint narrative:
I am writing to formally dispute the reporting of a late payment on the accounts listed on the letter enclosed in my complaint letter. This demand for correction is Under 15 U.S. Code 1666b Payment Was Never Late. The payment in question was made on time and must not be reported as late. Under 15 U.S. Code 1666b ( Timing of Payments ), a creditor may not treat a payment as late if it was received by XXXX XXXX on the due date at the specified location. You have failed to provide any legitimate documentation proving otherwise. Therefore, this is an unlawful and inaccurate 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 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America took the unilateral decision to close my account, I have called several times and they wont provide a reason or the ability to dispute the decision after being a customer for 15 years. I tried to get my funds back and they say the only way to get my funds back is by waiting over 45 days for them to send a check. I requested my right to have access to my funds, since I need them to work and they refused. They even received a wire with the account closed for XXXX XXXX why would they receive a wire if they chose to close the account. Now my clients money is trapped and I have to deliver the goods to fulfill my obligation anyways.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-23 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: NJ

Complaint narrative:
Under FCRA 15 USC s1681c-2 ( section 605B ), fraudulent items must be blocked within 4 business days upon receiving an identity theft report. 15 USC s1681s-2 requires furnishers to ensure accuracy and stop reporting disputed accounts unless verified. 15 USC s1681e ( b ) mandates that agencies ensure maximum accuracy. Under 15 USC s1692c ( a ) ( 2 ), collection activities must cease regarding debts from identity theft. Finally, under 15 USC s1681 ( a ) ( 2 ), I never gave authorization for these accounts to be reported. 

ACCOUNTS : 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

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 2025-06-23 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: CA

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

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