vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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: National Healthcare Collections, LLC
State: TX

Complaint narrative:
This is in response to CFPB complaint XXXX. In your previous response, National Healthcare indicated that account XXXX would be suspended pending investigation and communication with your client. However, this unverified medical collection is still being reported, and I have not received any documentation validating the accuracy or legitimacy of the debt. 

The account does not list a proper original creditor only the name " XXXX XXXX, '' whom I have no knowledge of or relationship with. As such, this tradeline remains unverified and unsupported, in direct violation of the FDCPA and FCRA.

Additionally, medical collections are no longer permitted to be reported to consumer credit reports unless certain conditions are met, which you have failed to demonstrate. The continued reporting of this account reflects negligence and non-compliance, and I am maintaining a documented paper trail in preparation for legal action. 

Let this serve as a final demand to comply, not a dispute. I am demanding that this account be permanently deleted from all credit reporting agencies within 15 days. If this is not resolved promptly, I will proceed with action for violations including, but not limited to : FCRA violations FDCPA violations CFPB regulatory noncompliance Emotional and mental distress caused by illegal reporting Please consider this your final notice before a formal notice of intent to sue is submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
ive Disputed this false information on my account and they havent responded to my request. Not accepting my Identity theft affidavit and leaving these items on my reports longer than 7 yrs

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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.
State: IL

Complaint narrative:
ive Disputed this false information on my account and they havent responded to my request. Not accepting my Identity theft affidavit and leaving these items on my reports longer than 7 yrs

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 2025-06-20 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX 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 Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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 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 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 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 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 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 explanation
Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I sent in a formal dispute to Equifax, Experian, and TransUnion through certified mail on XX/XX/year>2025, regarding inaccurate information on my credit report. Under 15 U.S Codes 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to conduct a reasonable investigation and respond within 30 day. It has been more than 30 days, and I have not received any update or written results of the investigation. This violates laws 15 U.S.C.s 1681i ( 1 ) ( A ) - Failure to investigate and respond within 30 days. 15 U.S.C.s 1681 ( a ) ( 6 ) ( A ) - Failure to notify the consumer after investigation.15 U.S.C.s 1681 ( a ) ( 5 ) ( A ) - Failure to delete unverifiable information. I am requesting that the CFPB compel the credit reporting agency to remove the disputed information, provide a corrected credit report, and comply with all notification obligations under the 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 non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
SPS has failed to fulfill its contractual obligation to pay my property taxes on time from escrow. As a result, my mortgage payment was unjustifiably increased by over $ XXXX, despite me owning the property for less than a year. It has been over 30 days since I raised this issue, and I have received no resolution or adequate response. 

Details : At the time of closing, SPS collected {$9500.00} in escrow specifically to cover future property tax obligations. Despite having those funds in escrow, I was notified that the taxes were not paid on time, putting the property at risk of delinquency and penalty. 

Shortly after, I received a notice from SPS stating that my mortgage payment would increase by more than $ XXXX, allegedly due to the escrow shortage a shortage that should never have existed if SPS had paid the taxes on time as required. 

I immediately : Called SPS multiple times, with no meaningful follow-up. 

Emailed their customer service department without any helpful response. 

Sent a certified letter, which was signed for and received over 30 days ago yet theres still no proof of payment, no clear explanation, and no signs that they have resolved the issue. 

Ive been in this home for less than a year and this situation is unacceptable, especially given the significant escrow reserve SPS was holding. Their inaction has created unnecessary financial and emotional stress, and I am now left to resolve a tax matter that they were responsible for preventing. 

Requested Resolution : Immediate confirmation and proof of tax payment Written explanation of why the escrow funds were not properly disbursed Immediate correction of my monthly mortgage payment Compensation for any late fees, penalties, or credit impact this may have caused This is a serious servicing error, and Im requesting regulatory intervention if SPS fails to correct this immediately.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: MD

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

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 2025-06-20 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: FL

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

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 2025-06-20 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: SC

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal la

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 2025-06-20 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: CA

Complaint narrative:
I am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit FTC.gov to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. 
XXXX XXXX  XXXX Balance : {$21000.00} XXXX XXXX  XXXX Balance : {$12000.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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 explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: VA

Complaint narrative:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions, 15 U.S.C 1666B. I have sent multiple disputes with either no response or a response ignoring my request. Please provide proof that I consented to the furnishing of the listed accounts. You have yet to provide me any proof that I consented to this information being displayed on my credit report OR remove from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of iden
tity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
I have been transferring money using Cashapp when a friend needs money. This person has multiple Cashapp accounts and uses several for transactions leading to much confusion and duplicate ( sometimes triplicate ) payments made by me for the same requested amount. Cashapp supposedly has told this person that several ( many ) of his accounts for some unexplainable reason are negative balances and need to be paid to positive before any money resulting from Cashapp investigation can be refunded to me. This has resulted in my payments of several thousands of dollars to help correct these deficiencies. The reason I'm complaining is that never once has Cashapp contacted me directly but the person who's accounts are problematic continues to say he needs help correcting his accounts with me paying additional money. This is the second complaint that I have registered about Cashapp 's business procedures and the fact that Cashapp 's investigation has been ongoing for approximately 6 months without any resolution. This is a serious matter because I think the refunds very likely will be approximately {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Im filing this complaint against Wells Fargo regarding inaccurate and unresolved reporting on my credit related to an account I previously disputed. Despite multiple attempts to resolve this in good faith, I was treated unprofessionally and denied any meaningful help. 

I am a XXXX XXXX XXXX XXXX who experienced a verified delay in payments from the Department of XXXX Affairs. I submitted documentation showing the VA later corrected their error and issued {$27000.00} in backpaywhich caused the temporary non-payment across multiple accounts. 

In my call with XXXX from the Wells Fargo XXXX XXXX, she was unprofessional, dismissive, and ultimately said nothing is changing. She initially claimed Wells Fargo was not in violation of FCRA Sections 609 or 623, then later denied saying that at all during the same call.

Wells Fargo still has not provided debt validation in compliance with FCRA 609 ( a ) ( 1 ). Additionally, I was verbally told by a prior representative that my account would not be charged off during the VA hardship, and now the bank is denying that any such statement was ever made.

This has significantly damaged my credit, making it impossible to move forward with buying a home for my family. Meanwhile, other creditors including XXXX XXXX and XXXX XXXX have already honored the same documentation and removed their negative items after reviewing the hardship. 

I have documentation of the VA delay, my backpay letter, and screenshots showing cooperation from other lenders. XXXX simply asking for fairness, accuracy, and compassion in line with FCRA and the Equal Credit Opportunity Act. I am also willing to work toward a full resolution, including paying the debt if Wells Fargo agrees to remove the negative tradeline.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am filing this complaint due to critical violations of the Fair Credit Reporting Act ( FCRA ) by Experian, Equifax, and TransUnion, all of whom are reporting XXXX collection accounts on my credit reports but are blocking dispute functionality in their systems. As of XX/XX/year>, the online dispute portals for each of the above agencies show XXXX collection accounts available to dispute, despite my reports clearly listing 7 collection tradelines labeled as collections. This system defect or data access error is preventing me from exercising my federally protected right to dispute inaccurate or unverifiable entries under FCRA 611. This creates an unfair credit reporting environment and directly affects my ability to secure credit and housing.Furthermore, at least one of these collection accounts was sold to a third-party agency for less than the balance and has since been returned to the original creditor, as documented in writing. Despite this, the item continues to be reported as active and in collection. This contradicts FCRA 623, which requires accurate and up-to-date furnishing of information by data furnishers.

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