vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Goal Structured Solutions, LLC
State: SC

Complaint narrative:
I am submitting this complaint regarding the actions of Launch Servicing , LLC, related to a solar panel loan originally funded by XXXX XXXX ( now XXXX XXXX ). Despite my formal request under the Fair Debt Collection Practices Act ( FDCPA ), Launch Servicing has failed to provide adequate validation of the alleged debt and continues collection efforts in violation of federal law. 

Background and Timeline : On XX/XX/year>, I sent a formal debt validation request by mail, citing FDCPA 15 U.S.C. 1692g. This letter requested : - The original creditor 's name and account number - Proof of legal authority to collect the debt - A copy of the original signed contract - A complete payment history, including fees - Documentation of how the debt was calculated and transferred The letter also requested that all further communication be via U.S. mail only.

Despite this, Launch Servicing continued collection activity by : - Sending multiple past-due notices via email on XX/XX/year> - Calling my husband repeatedly from XX/XX/XXXX through XX/XX/year>- Leaving multiple voicemail messages demanding payment and urging contact On XX/XX/year>, Launch Servicing sent a letter, which I received on XX/XX/year>, acknowledging my request for communication via U.S. mail only but failing to provide the required documentation, including the original contract, proof of authority, or complete payment history. Their letter falsely stated, This does not alleviate your obligation to pay, which conflicts with FDCPA 1692g ( b ). 

On XX/XX/year>, I sent a follow-up letter reiterating the incomplete nature of their validation and demanding cessation of all collection efforts until proper validation is furnished. I also sent a letter on my husbands behalf, requesting that all further communication with him be via U.S. mail only, due to harassment via phone.

Issues : - Failure to provide legally required debt validation under FDCPA 1692g - Continued collection efforts and harassment despite the absence of validation - Misleading statements in collection letters, contradicting FDCPA protections Impact : These actions have caused significant financial stress and emotional distress to me and my family. The failure to provide proper validation and ongoing harassment violate my rights under federal law. 

Additional Information : This complaint is related to an ongoing CFPB complaint against XXXX XXXX regarding the same loan ( CFPB Complaint ID : XXXX ). Launch Servicing is affiliated with XXXX XXXX, and on phone calls to XXXX XXXX, the automated system can be heard telling the caller that any correspondence from Launch Servicing is an attempt to collect a debt. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Loan Account # : XXXX / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I opened up a citi bank account about XX/XX/XXXX and I had direct deposit. I had got a check from my brother for some help and rent for me and the babies as a single mom. Deposited it. THEY BLOCKED MY ACCOUNT!! WHEN MY RENT WAS DUE I WILL BE EVICTED WITH XXXX KIDS AS A SINGLE MOM!!! IS THIS WHAT HUMANITY COME TOO!!! I NEVER HAD A ACCOUNT THAT DID THIS, IVE BEEN CRYING ALL DAY AND DONT UNDERSTAND, PLEASE HELP ME!! MY KIDS

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 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion has reported conflicting and inaccurate information about my XXXX XXXX account ending in XXXX across three of my credit reports. 

On my XX/XX/XXXX report, a late payment was reported for XX/XX/XXXX. On my XX/XX/XXXX report, that late payment was no longer present. Then on XX/XX/XXXX, TransUnion reinserted the late payment again without any notice or documentation. 

This is a direct violation of FCRA 1681i ( a ) ( 5 ) ( B ), which requires written notice within 5 days of re-insertion. It also violates 1681e ( b ) due to inconsistent and inaccurate reporting.

I am requesting : 1. Immediate deletion of the unverifiable late payment or the entire account.

2. Written confirmation of correction.

3. {$10000.00} in statutory damages for willful and negligent noncompliance under FCRA 1681n and 1681o. 

I have physical copies of all three TransUnion reports showing these discrepancies and will escalate this to legal action if it is not resolved properly. TransUnions legal team is encouraged to contact me directly regarding settlement. Please review attached documents.

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 2025-07-15 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit.

Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Between XXXX and XXXX, I discovered multiple fraudulent credit card accounts on my credit reports. These included accounts from : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) These accounts were previously disputed and deleted after being identified as the result of identity theft. However, in XX/XX/XXXX, all of these accounts were reinserted into my credit reports without any prior notice or proper legal compliance.

According to the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 5 ) ( B ), if deleted information is reinserted into a credit report, the credit bureau must : Notify the consumer in writing within 5 business days, and Disclose the name, address, and phone number of the furnisher that certified the accuracy of the reinserted data.

I received no such notice, nor was I provided with any furnisher contact information. This action is a clear violation of federal law and has negatively impacted my creditworthiness and financial security.

What laws were violated?

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Requires notification and disclosure of furnisher information following reinsertion of previously deleted data.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishers from reporting information known to be inaccurate or previously flagged as fraudulent.

15 U.S.C. 1681c-2 : Requires credit bureaus to block identity theft-related information upon receipt of a valid FTC Identity Theft Report.

15 U.S.C. 1681n and 1681o : Provides for damages for willful or negligent noncompliance with FCRA obligations.

What would be a fair resolution? 
XXXX. Permanently delete the reinserted fraudulent accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX from all credit reporting agencies. 
XXXX. Provide a written explanation that includes : The dates and reasons for reinsertion ; Whether the furnishers certified the accounts ; The name, address, and phone number of each furnisher, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ; Why I was not notified in writing within 5 business days. 3. Correct all credit reporting harm, including any damage to my credit sco
re and profile caused by the unlawful reinsertion.

4. Written assurance that these accounts will not be re-reported without full FCRA-compliant verification under 1681c-2.

5. If the reinsertion was done willfully or negligently, I request the CFPB to pursue appropriate statutory damages or regulatory enforcement under 1681n and 1681o.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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:
Between XXXX and XXXX, I discovered multiple fraudulent credit card accounts on my credit reports. These included accounts from : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) These accounts were previously disputed and deleted after being identified as the result of identity theft. However, in XX/XX/XXXX, all of these accounts were reinserted into my credit reports without any prior notice or proper legal compliance.

According to the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 5 ) ( B ), if deleted information is reinserted into a credit report, the credit bureau must : Notify the consumer in writing within 5 business days, and Disclose the name, address, and phone number of the furnisher that certified the accuracy of the reinserted data.

I received no such notice, nor was I provided with any furnisher contact information. This action is a clear violation of federal law and has negatively impacted my creditworthiness and financial security.

What laws were violated?

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Requires notification and disclosure of furnisher information following reinsertion of previously deleted data.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishers from reporting information known to be inaccurate or previously flagged as fraudulent.

15 U.S.C. 1681c-2 : Requires credit bureaus to block identity theft-related information upon receipt of a valid FTC Identity Theft Report.

15 U.S.C. 1681n and 1681o : Provides for damages for willful or negligent noncompliance with FCRA obligations.

What would be a fair resolution? 
XXXX. Permanently delete the reinserted fraudulent accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX from all credit reporting agencies. 
XXXX. Provide a written explanation that includes : The dates and reasons for reinsertion ; Whether the furnishers certified the accounts ; The name, address, and phone number of each furnisher, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ; Why I was not notified in writing within 5 business days. 3. Correct all credit reporting harm, including any damage to my credit sco
re and profile caused by the unlawful reinsertion.

4. Written assurance that these accounts will not be re-reported without full FCRA-compliant verification under 1681c-2.

5. If the reinsertion was done willfully or negligently, I request the CFPB to pursue appropriate statutory damages or regulatory enforcement under 1681n and 1681o.

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 2025-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
b'XXXX PMNT SENT XXXX XXXX $XXXX XXXX  ACCOUNT #XXXX\nXXXX WIRE TRANSFER            $XXXX XXXX  ACCOUNT #               XXXX\nXXXX  WIRE TRANSFER            $XXXX XXXX ACCOUNT #              XXXX\nXXXX WIRE TRANSFER            $XXXX XXXX ACCOUNT #               XXXX\nXXXX WIRE TRANSFER            $XXXX XXXX XXXX ACCOUNT #XXXX\nXXXX WIRE TRANSFER            $XXXX  XXXX XXXX ACCOUNT #XXXX\nXXXX XXXX XXXX XXXX FROM MY XXXX XXXX XXXX ACCOUNT\n7969.\nI INVEST NOT RETREN AT ALL.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: GA

Complaint narrative:
This letter serves as my FOURTH FORMAL NOTICE regarding inaccurate personal information appearing in my consumer report maintained by youre a organization. I have previously submitted three notices.

Despite my repeated requests, the inaccurate inf " ormation remains uncorrected. This constitutes a continued violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), which requires consumer reporting agencies and furnishers to conduct a reasonable reinvestigation when a dispute is submitted by a consumer.

I am enclosing supporting documentation once again for your review, including [ list any documents : copies of previous disputes, proof of payment, identity theft report, etc. ].

Under the FCRA, you are obligated to : 1. Investigate the dispute within 30 days ( or 45 days under certain conditions ) ; 2. Notify the furnisher of the dispute ; 3. Correct or delete inaccurate, incomplete, or unverifiable information ; and 4. Provide me with the results of your reinvestigation. 

To date, you have failed to comply with these obligations. Your continued failure to address these inaccuracies may be deemed willful noncompliance, subjecting your organization to civil liability under 15 U.S.C. 1681n and statutory damages, punitive damages, attorneys ' fees, and actual damages under the law.

Demand : I am demanding the following : - Immediate deletion or correction of the disputed information ; - Written confirmation of such correction within 15 days of receipt of this letter. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2025-07-16 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: IL

Complaint narrative:
I want to make it absolutely clear that this complaint is not being submitted in error. My credit report currently contains inaccurate information that fails to meet the federally mandated standard of maximum possible accuracy. These errors are causing ongoing and significant harm to both my financial stability and personal well-being. 
This situation is placing an undue and unjust burden on me during an already difficult time, and I will not accept the continued reporting of information that is incorrect, unverifiable, or misleading.

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 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Self Financial Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, pa XXXX XXXX XXXX XXXX account XXXX XXXX To whom it may concern : this letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well-being and seriously hurting my character. By provisions of 15 US section1681i of the fair credit reporting act, these items need to be investigated. Please provide me with proof of these items, Specifically the contract bearing my signature .Failing that, please update the record to show as Paid in Full/As Agreed or Remove this from my credit as soon as possible. this is a very serious matte affecting my everyday life. The out lined item as a very serious error in reporting. please update this information. This account is listed as charged off account on my credit report but i have never received a 1099c for this charged off/ closed debit. can you please provide me with a 1099c to accurately reflect this charge off for tax purposes and please update my credit report and delete immediately. Pursuant to 15 US section 1681i { 6 } { a } of the fair credit reporting act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be providedwithin15 days of completion of your investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: GA

Complaint narrative:
Our morgage was purchased by Selene in approximately XXXX. We were forced into a loan modification in XXXX which brought our payments down and extended the loan. The mortgage company started trying to foreclose on us in XXXX due to being behind on escrow. We were never behind and always made our payments on time. We never received any notification that we were behind on our escrow and never had a a late payment as of the date we received the letter in regards to foreclosure. Also, during the foreclosure notice and process they sent a appraiser to the home without the homeowners knowledge and stated that he was there to appraise a split level home and this is a modular home. Moving forward we were informed that we were behind in our escrow when our attorney stated we has approximately {$6000.00} in our escrow account. She stopped the foreclosure and recommended us meeting with a bankruptcy attorney as she was not able to help us any further. We proceeded with hiring a Bankruptcy attorney and file XXXX  XXXX Bankruptcy. We have made all payments since we filed our Bankruptcy in XXXX. Now the company is increasing our mortgage once again and saying we are behind in our escrow account and will not provide any documentation as to why our mortgage is being increased. We have had constant issues with Selene since XXXX. We have had this loan for 17 years and the amount that they are showing we owe is in no way correct as we purchased the home for {$81000.00} in XXXX. They are currently stating we owe {$87000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
I have been disputing this account continually for over XXXX XXXX. On XX/XX/year> I sent a certified dispute letter UPS receipt number XXXX to Transworld systems Inc. requesting clear documentation that I am the actual account holder they have never responded and have continued to report the account monthly to all three major credit bureaus I pulled my credit report on XX/XX/year> and the account is still actively being reported each month with a consumer disputes this account notion-but XXXX  has not furnished any verification or proof of ownership under FCRA611 a furnishers must verify disputed information before continuing reporting, and if they cant, the account must be deleted this is not just a procedural failure. Its a violation of my rights. This ongoing failure constitutes the clear violation of the fair credit reporting act. ( 15 U.S.C. 1681i and 1681s-2 ) and the XXXX  credit reporting act ( C.R.S. 5-18-110 ). It is not enough for XXXX to mark the item as disputed-they must provide documentation or delete the entry. They have not done either, and this continued reporting is causing ongoing damage to my credit and financial well-being.

Company response to consumer: Closed with explanation