vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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: Servatus Corporation
State: NC

Complaint narrative:
The unverified accounts listed below that remain on my credit report are in violation of 15 U.S.C. 1681. The unverified items listed below remain on my credit report violating Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly. 

Who in your company verified these accounts? How did they verify them? Please provide me with the name of the individual, business address, and telephone number of the person or business contacted during your reinvestigation. Also, why did you not send me copies of the verification as I asked? 

As I am sure you are well aware, current case law states that Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The courts have ordered that a Reinvestigation merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations proposed by 1681 ( a ) ( 4 ).

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) a
nd under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend to pursue litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 
Creditor : XXXX XXXX XXXX XXXX 
Acct : XXXX Amount : {$5200.00} Opened : XX/XX/XXXX ( 5 mos ) Creditor : XXXX  XXXX XXXX Acct : XXXX  Amount : {$180.00} Opened : XX/XX/XXXX ( 6 mos ) Creditor : XXXX XXXX XXXX Acct : XXXX Amount : {$230.00} Opened : XX/XX/XXXX ( 2 yrs, 9 mos )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The credit bureau is showing a 'Collection ' on my credit report that has not been properly vetted or proven. I have requested validation but did receive adequate information or what was requested.

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 2025-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
Texas XXXX XXXX XXXX is a fraudulent school that gets people to take out loans that's u can't ever pay back. They promised I high pay job once graduated which I did in 2006 and they didn't find me a job. I was then in debt paying over a XXXX dollar student loan through XXXX XXXX... I've paid almost half since then. XXXX XXXX turned my loans over to navient that I've been reading that has tons of lawsuits and XXXX XXXX also. Then navient turns my loans over recently to a company called XXXX but navient name is still in also..i feel I was wronged by all the above parties and should have the rest of the loans dismissed..im a senior citizen now and can't afford XXXX paid half the rest should be forgiven

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: MI

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 non-monetary relief
Consumer complaint received 2025-04-09 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: MA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX To whom it may concern Reference- Method of Verification I received your response to the dispute I sent XX/XX/year>. Your company stated the accounts listed below was verified. My question is how do you verify the account? 

What is the method of verification 15 U.S. Code 1861 i ( a ) ( 6 ) ( B ) ( iii ) Can you provide me the method of variation? 

Description of the procedure Please provide me with ALL the documentation you received during the INVESTIGATION that proves that negative accounts is reporting accurately I am requesting for your company to provide the evidence within 15 days of this letter. If your company can not provide the documentation, You must delta all accounts listed below. If not I will pursue legal actions against your company. 


XXXX XXXX account numberXXXX XXXX XXXXaccount numbeXXXX Self financial-account XXXX XXXXaccount number XXXX Thank you 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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX date of birth XX/XX/1986 contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the XXXX, EXPERIAN XXXX XXXX credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I've attached the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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 date of birth XX/XX/1986 contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the XXXX, EXPERIAN XXXX XXXX credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I've attached the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.

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 2025-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries 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 2025-04-09 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: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
XX/XX/year> - After bringing my loan current with XXXX XXXX ( XXXX ) with approx $ XXXX. I made the required monthly payment to them in advance of realizing they had already transferred the loan to SPS ( Select Portfolio Services ). This payment was not credited or indicated and to spare you a novel here 's a quick list of facts : I'm XXXX due to mental XXXX. 
After numerous attempts and rude dismissive treatment by a company who's negative reputation is well documented, I refused to pay more payments to a company allegedly that has been accused of deception and theft. 

Evidence was provided of this payment was provided at least 3 times. 

They never accept this reality of the payment even with XXXX conference calls made with XXXX on the phone and being hung up on rudely and they we're not moved or persuaded by this or documentation clearly showing the payment was given to XXXX. 

I actually feel this is an intentional attribute of this company 's tactics to wear down, defraud, and/or take my home. 

I can not even begin to quantify the stress and XXXX  this has on my life. 
Cut the last string, it would be more humane than dangling precariously over XXXX nightmares scenarios of reality.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: NY

Complaint narrative:
In accordance with 15USC 1692C and 15USC 1692G code, a debt collector can not harass a client with phone calls or any means. There are charged off accounts on my reports that were paid off, but still show balances on my reports which is improper and against the law. Now, these debt collectors have not shown any proof of validation claim that I signed any contracts or agreements that I owe these debts. with these findings, I find these actions as ( Unlawful, Inaccurate, Incomplete, Incorrect and Fraudulent ). Due to some data breach from XXXX, XXXX and XXXX, I had some set backs that decreased my score in event to apply for a credit card and loan. I will like CFPB to look into this and get it resolved by deleting this false information of my records. I have disputed this complaints to these companies and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: DRB-40, LLC
State: TX

Complaint narrative:
Constantly texting and calling regards to an account Im unaware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: USCB Corporation
State: VT

Complaint narrative:
First XXXX is for the repossession of the car by XXXX XXXX XXXX they have not given me the letter in which they auctioned my vehicle for and then show me the accurate balance owed on that debt. Second one is for the USCB Corporation which bought the original debt from XXXX XXXX XXXX which is charging me {$470.00} for books and classes i never received. XXXX is the XXXX XXXX for XXXX that has been charged off and i am un able to get the 1099-C to have it removed. I would like them both removed from my report at all credit bureaus,

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 2025-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I applied for a loan, was denied due to an application submitted within 365 days of XX/XX/year>. That immediately let 's me know there was a personal data breach because this is my first loan application ever with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
This is not with this Credit Card, it is with most of them. Credit Card companies do not want to send you statements any longer, If they do they want to charge you for them. So you are forced to have them sent online. The problem with that is that you get so many emails, sometimes up to XXXX per day and if you don't check it, those bills get buried. I always pay my bills in full. So when a bill goes unnoticed or gets buried you miss a payment, then the company comes back and charges you late charges and interest. They are making a killing off of the public. You should NOT be charged for a paper bill. XXXX. They should send out multiple alerts that a payment is due. They are NOT doing enough. There needs to be some type of consumer law against charging people to paperbills.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I HAVE A BANK ACCOUNT WITH CITIZENS BANK. ON XX/XX/XXXX I ATTEMPTED TO PAY A BILL USING MY DEBIT CARD AND THAT PAYMENT WOULD NOT GO THROUGH. THE SITE THAT I ATTEMPTED TO MAKE A PAYMENT WITH REASON GIVEN ( CARD DECLINED ) SO I ATTEMPTED SEVERAL TIMES IN LESSER AMOUNTS WHICH DID NOT HELP. THE CARD CONTINUED TO DECLINE. ABOUT AN HOUR LATER THERE WAS A MESSAGE THAT APPREARED ON CITIZENS BANKING APPLICATION THAT STATED THEIR SITE WAS UNDER MAINTENANCE. I HAVE NOW ACQUIRED A XXXX LATE FEE FROM THE MERCHANT BECAUSE OF CITIZENS BANKS ERRORS. I WOULD LIKE THIS XXXX PAID BY CITIZENS BANK. I CALLED CITIZENS ON XX/XX/year> AND SPOKE WITH A REPRESENTATIVE BY THE NAME OF XXXX AND ALL HE DOES IS MAKES EXCUSES FOR THE COMPANY AND OFFERS NO RESOLUTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: NY

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FCRA ), XXXX XXXX XXXX i, which mandates a reasonable investigation of disputes. Furthermore, XXXX action XXXX also contravene the consumer financial protection act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complied with federal law and provides consumers with the necessary proof of investigation.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FCRA ), XXXX XXXX XXXX i, which mandates a reasonable investigation of disputes. Furthermore, XXXX action XXXX also contravene the consumer financial protection act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complied with federal law and provides consumers with the necessary proof of investigation.

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 2025-04-09 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

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 2025-04-09 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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