vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as XXXX XXXX XXXX XXXX XXXX XXXXVERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX XXXX XXXX  XXXX United States XXXX  XXXX that they do not report or furnish XXXX  proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known XXXX-party data provider, and they confirmed that they have no record of the XXXX  account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this XXXX  on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TekCollect Inc.
State: VA

Complaint narrative:
This debt pertains to services from XXXX XXXX XXXX, a company that filed for bankruptcy in XX/XX/year> and ceased operations in XX/XX/year>. 

I initiated my aligner treatment with XXXX XXXX XXXX ; however, the company declared bankruptcy before completing my treatment, thereby failing to render the full services for which I had contracted. Despite my attempts to contact XXXX XXXX XXXX following their bankruptcy announcement, I received no response or resolution.

Given that the services I paid for were not fully provided due to the company 's bankruptcy, I contend that this debt is invalid. Additionally, I am aware of a Compensation Plan established for XXXX XXXX XXXX customers, under which I believe I am eligible for a refund or cancellation of this debt.

Until the contracted services are rendered in full as per my agreement with XXXX, I expect all collection activities on this account to be halted immediately. 

Thank you for your prompt attention to this matter.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: SC

Complaint narrative:
Selene Finance LP is attempting to collect on a mortgage it does not own. They have refused to validate the debt, produce the original wet-ink note, or provide chain of title. I submitted a RESPA QWR and they failed to respond. The trust ( XXXX XXXX XXXX XXXX ) is the lawful title holder and beneficial owner. Selenes use of a federally registered trademark ( XXXX XXXX XXXX ) without license is unlawful. 

Similar patterns of misconduct have been documented in CFPB complaints XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. I request full review under FDCPA, RESPA, and trademark protection laws. See full legal filing uploaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I am writing in response to a letter received from your office dated XX/XX/year> regarding an alleged debt. Please be advised that I am requesting the validation of this debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Your reference number is XXXX. 

I do not acknowledge this debt and request the following information : The name and address of the original creditor The original amount of the debt A complete payment history, including any interest, fees, or charges added A copy of the original contract or agreement bearing my signature Proof that you are authorized to collect this debt, including your license number ( if required in my state ) How the debt was obtained from Bank of America including the amount paid for it Proof debt validation notice was sent previously and proof of delivery Please cease all collection activities and communication until this debt has been validated as required by law. If you fail to validate the debt, or continue to pursue collection without providing the requested information, you will be in violation of the FDCPA and I will not hesitate to report your actions to the Consumer Financial Protection Bureau ( CFPB ), my state Attorney General, and/or seek legal counsel. 

I request that all future communication be in writing only. 

Thank you for your cooperation.

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I was never late on these account. I am submitting this complaint due to Experian, Equifax and TransUnion continued reporting of inaccurate and inconsistent information on several accounts, despite dispute attempts. Accounts such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are incorrectly showing late payments, even though I have made all payments on time. Additionally, there are several unauthorized inquiries on my report that I did not approve. 

Experian, Equifax and TransUnion has failed to properly investigate or correct these issues as required under the Fair Credit Reporting Act ( FCRA ), and the discrepancies remain unresolved. These errors are negatively affecting my credit and financial reputation. I request that the CFPB require Experian, Equifax and TransUnion to reinvestigate, correct, or remove the inaccurate and unverifiable information 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 2025-08-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Wells Fargo charged my unfair bank fees on my checking account and refuses to return the funds. Their bank fees are excessive and unnecessary. The only action they take is an agent called reading from a script and emails with erroneous information. This occurred from XXXX, XXXX through XXXX of XXXX. Initially they owed me {$100.00}. They mailed me a check for {$10.00} and another agent stated they were mailing me another {$10.00} check which I have not yet received. Their bank fees are outrageous as they do nothing to maintain an account yet continually charge fees.

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 2025-08-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
During the student loan forbearance, I was on the save plan with 0 % interest. My student loans have have increased even though there should have been no student loan interst acccruing. In XX/XX/XXXX was payoff amount was XXXX on XX/XX/XXXX it has increased to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XX/XX/XXXX To Whom It May Concern, This letter is to formally dispute inaccurate information reported on my credit file, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and other applicable federal statutes. 
I believe that my rights under the following laws have been violated : XXXX. 15 U.S.C. 1681 ( Section 602 ) states that consumers have a right to privacy with respect to the collection and dissemination of credit information. 
XXXX. 15 U.S.C. 1681b ( a ) ( 2 ) ( often cited as Section 604 ) states that a consumer reporting agency may not furnish a consumer report without written instruction from the consumer, unless otherwise permitted by law. 
XXXX. 15 U.S.C. 1666b requires creditors to provide a grace period of at least 21 days for credit card payments and prohibits treating timely payments as late within that window. If I made my payment within the required timeframe, then reporting it as late constitutes a violation of federal law. 
Accordingly, I formally request that the late payment ( XXXX ) reported on the following account ( XXXX ) be corrected to reflect an on-time status : Creditor Name : XXXX XXXX Account Number : [ Insert Account Number ] Date ( XXXX ) of Alleged Late Payment ( XXXX ) : [ Insert Dates ] Please update the reporting to show Paid as Agreed/ Paid on Time as required by federal law. If you do not remove or correct this erroneous reporting, I request full documentation demonstrating that your furnishing of this data complies with the laws cited above, including written authorization, payment due date, posting date, and a copy of your internal billing practices as required by law. 
Failure to comply may constitute continued willful noncompliance under the FCRA and other consumer protection laws, subjecting you to damages under 15 U.S.C. 1681n and 1681o.

I expect a response within 30 days, as required under the FCRA. Please confirm in writing that this matter has been corrected and provide an updated copy of my credit report. 
Sincerely, 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 2025-08-04 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XX/XX/XXXX To Whom It May Concern, This letter is to formally dispute inaccurate information reported on my credit file, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and other applicable federal statutes. 
I believe that my rights under the following laws have been violated : XXXX. 15 U.S.C. 1681 ( Section 602 ) states that consumers have a right to privacy with respect to the collection and dissemination of credit information. 
XXXX. 15 U.S.C. 1681b ( a ) ( 2 ) ( often cited as Section 604 ) states that a consumer reporting agency may not furnish a consumer report without written instruction from the consumer, unless otherwise permitted by law. 
XXXX. 15 U.S.C. 1666b requires creditors to provide a grace period of at least 21 days for credit card payments and prohibits treating timely payments as late within that window. If I made my payment within the required timeframe, then reporting it as late constitutes a violation of federal law. 
Accordingly, I formally request that the late payment ( XXXX ) reported on the following account ( XXXX ) be corrected to reflect an on-time status : Creditor Name : XXXX XXXX Account Number : [ Insert Account Number ] Date ( XXXX ) of Alleged Late Payment ( XXXX ) : [ Insert Dates ] Please update the reporting to show Paid as Agreed/ Paid on Time as required by federal law. If you do not remove or correct this erroneous reporting, I request full documentation demonstrating that your furnishing of this data complies with the laws cited above, including written authorization, payment due date, posting date, and a copy of your internal billing practices as required by law. 
Failure to comply may constitute continued willful noncompliance under the FCRA and other consumer protection laws, subjecting you to damages under 15 U.S.C. 1681n and 1681o.

I expect a response within 30 days, as required under the FCRA. Please confirm in writing that this matter has been corrected and provide an updated copy of my credit report. 
Sincerely, 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 2025-08-04 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 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 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 2025-08-04 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: 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 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 2025-08-04 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: IL

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 explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: AZ

Complaint narrative:
I did a hardship withdrawl from my retirement money the money got sent to an account I no longer use or have access to when I called the bank I was instructed that they don't see a deposit and that the account is closed when I go on to the website for my retirement plan it says the payment has cleared to the account I called the bank again and still is being told that they don't see a deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I want to make it absolutely clear that this complaint is not a mistake. My credit report contains inaccurate information that does not meet the legally required standard of maximum possible accuracy. These errors are having a serious and ongoing impact on my life, adding unnecessary strain during already difficult times.

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 2025-08-04 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: Selene Holdings LLC
State: SC

Complaint narrative:
I was in a XXXX  month trial Modification. I had gotten the amount mixed up on what I was supposed to send. I sent XXXX, instead of XXXX for my trial. When I realized it, it was the next day and I attempted to reach them and couldn't get through. I tried calling Saturday XX/XX/year> XXXX they were closed. I called Monday XX/XX/year>, explained to see if they could reactivate the XXXX XXXX I pay by phone. The representative i spoke kept stating supervisor isn't available. I advised would wait. Stayed on the phone for XXXX minutes and she stated was no way to get to a supervisor. I think this process is absurd. Every time I've called, its no way to speak with management, not even a supervisor. All Im trying to do is pay so I don't have any issues and my home get foreclosed on. Plan was canceled over XXXX. The denial letter hadn't went out yet nor was it ordered. All i was told was to reapply. Why didn't the XXXX  payment give an error stating it wasn't enough. So many opportunities on this Mortgage Servicing company. I shouldn't have to start my plan over or apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: Aldridge Pite, LLP
State: GA

Complaint narrative:
XXXX : Case # XXXX is open and available against defending party Aldridge Pike, llp and XXXX, within the XXXX XXXX XXXX XXXX XXXX. 

NOTICE : In reference to the property located at XXXX XXXX XXXX, XXXX XXXX, is Not to be auctioned off XX/XX/year>. There is either an Active or Pending Case initiated against the foreclosure sale. Please see case # XXXX in the XXXX XXXX of the same county. The Plantiffs have officially under certification and with proof of service, served the Defendants. The case is open. The Defendants have sought to undermine Justice and should show reason on why they should not be held in contempt of court. -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: HI

Complaint narrative:
I've tried to call this collection company many times to try to resolve this matter. I've never received a call back. I have tried looking for an email address to email them, but I can not find an email. I need this matter corrected, so I can remove this collection from my credit report. This collection is hindering me from being able to buy a house. I am doing everything in my power to resolve this matter, but it's extremely hard when I am not getting an answer or a callback. Despite repeated attempts, the collector has failed to respond to my communications in a timely and professional manner, which I believe may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I first contacted the collection agency by phone ( XXXX ), requesting information and validation of the debt. Since then, I have made additional attempts via phone, and I have received no response. This lack of communication hinders my ability to resolve or dispute the debt, and raises concerns about the accuracy and validity of the account being reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SinglePoint GI
State: OH

Complaint narrative:
They use an auto dialer and AI with no way to talk to a human representative, just a recording from XXXX XXXX with no extension. When you call back there is not option to speak to anyone live. This is not my debt as all my obligations are on time every month. I am on the national do not call list and want this to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have a duty to report accurate information about consumers. Please investigate these accounts and inquiries and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: SC

Complaint narrative:
I recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief