vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I complained about this agency and I believe that they are retaliating against me because they are reporting old outdated and fraudulent information about me and they are working with the merchant to keep me down by saying I have good or sometime great chance at obtaining a loan or credit card when I really dont but I try and I never get approvedso what happens I get another inquiry on my report as well as they knock my score down XXXX points on every one and I know Rico is somewhere in that act.These inaccurate accounts and unauthorized inquiries have caused significant harm to my credit scores.

Closed accounts continue to appear with balances, which inflates my utilization. 
New, unauthorized hard inquiries are further damaging my creditworthiness.

Requested Resolution : 1. Immediate deletion of these unauthorized accounts ( XXXX and XXXX ) from my credit reports. 
2. Immediate removal of all unauthorized inquiries made without my consent.

3. Written confirmation from TransUnion, Equifax, and Experian that my reports have been corrected.

4. A full investigation into why these items persist despite prior complaints.thats why I REALLY BELIEVE that they are working against me Discriminating and belittling me and just not caring what I do to try to correct my report if you seen that I been complaining for 2 years about the same issues that never removed but always say verified or updated when they are closed or discharged knowingly keeping them on my report cause its earning the some form of securities, and other monetary gain while I suffer in humiliating disgrace witch is unfair unequal unconstitutional and undeserving

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
b'I purchased a pre owned vehicle on XXXX from XXXX XXXX in XXXX  NJ. Dealer was demanding vehicle be brought back almost XXXX XXXX weeks after I was contracted and started making payments to my lienholder Ally Financial. Dealer is still refusing to register and title my vehicle. On XXXX I received a text message and email from my lienholder that my vehicle was paid off. I also was told by my lienholder that Ally received a call from someone requesting to close my account and contract claiming that they were me. Not long after the vehicle was then paid off by the dealer after I made payment to the lienholder. The dealer received their funds from the lienholder on XXXX XXXX. Dealer violated my consumer rights by using my social security number to gain access to my account and paid off my vehicle without any authorization from me. I never placed a call to cancel my contract. This is a Breach of Contract and Consumer Fraud.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
This letter is a formal notice that an account previously deleted from my credit report has been reinserted without proper notice, in direct violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ).

Under 15 U.S. Code 1681i ( a ) ( 5 ) ( B ), if a credit reporting agency ( CRA ) reinserts previously deleted information : XXXX. They must notify you in writing within XXXX business days of the reinsertion. 
XXXX. They must also certify from the furnisher ( e.g., creditor or collector ) that the account is accurate. 
The following account was reinserted without providing me written notice within XXXX business days as required by federal law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of Deletion : XX/XX/year> Date of Reinsertion : XX/XX/year> 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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am writing to formally dispute the accuracy of late payment information reported on my account and to document the challenges I have faced in obtaining verification. 

During an extremely difficult time, while caring for my husband who was seriously ill and later passed away, I applied for a hardship program through Marcus. My hardship request was accepted, and I had automatic payments in place. However, despite these accommodations, late payments were reported on my account. 

Since then, I have repeatedly requested documentation to verify and better understand the basis for the reported delinquencies. I specifically requested the following : A copy of the original signed agreement or contract for the account ; A full and detailed payment history, including the dates and amounts reported as late ; Any internal records or logs used to determine and report the payment status ; Proof that proper notice of delinquency was issued in compliance with applicable laws ; Evidence that the credit reporting was done in accordance with the Fair Credit Reporting Act ( FCRA ). 

Each of these requests has been denied or ignored, despite my right under the FCRA to receive such documentation during the dispute process. Without this information, the reported delinquencies remain unverified and are causing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I opened a XXXX credit card with XXXX XXXX  in XX/XX/year> and made a single purchase of around {$41.00}. However, I never received the physical credit card, nor did I receive any billing statements by mail or email. I had no way to access or manage the account. 

Months later, I started receiving collection calls saying I owe {$110.00}, which includes interest and late fees. I called customer service, explained I never received the card or billing, and that I had no way to know there was a balance. Still, they told me the account is closed and they will not remove the charges. 

I want to pay what was the purchase plus not interest earned. I told them that I have the interest to pay the XXXX and they told me that I could do that but that the interest would continue to grow and that they can't do anything. 

This is extremely unfair and frustrating. I was not negligent I simply had no access to the account. Im requesting that these added charges be removed, and that no negative credit reporting be made. This situation was caused by a failure in communication on their part, not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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:
Im writing to dispute inaccurate and unauthorized information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b ( 2 ), my personal information was shared without my written permission. This led to accounts being added that I didnt open or use. This may also be identity theft under 15 U.S. Code 1681c-2. Please investigate and fix these errors to make sure my credit file is accurate.

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AS A RESULT OF THE EQUIFAX DATA BREACH. I HAVE SENT MULTIPLE LETTERS TO EQUIFAX & EXPERIAN THAT PROVIDED PROOF I WAS A VICTIM OF IDENTITY THEFT, AS WELL AS IDENTIFIED THE SPECIFIC ITEMS AS IDENTITY THEFT. UNDER FCRA 15 US CODE 1681c-2 THE BUREAUS ARE REQUIRED TO BLOCK ANY INFORMATION I IDENITIFY AS IDENTITY THEFT UNTIL THEIR INVESTIGATION IS DONE AND THEY HAVE REFUSED TO DO SO. I HAVE CALLED EQUIFAX AND EXPERIAN AND ASKED, DEMANDED AND COMPLAINED AND THEY REFUSE TO COOPERATE. I DEMAND THAT THESE ACCOUNTS BE REMOVED AND BLOCKED BECAUSE THEY ARE " NOT MINES '' FURTHERMORE THE COMPANY CAN NOT PROVE THAT WAS ME AND EXPERIAN EQUIFAX OR THE COMPANIES HAVENT PROVIDED ANY INFORMATION TO ME SHOWING PROOF THAT THESE ACCOUNTS ARE MINE. THEY DID NOT GO TO MY ADDRESS. THEY ARE FRAUDULENT. PLEASE SEE FOLLOWING ACCOUNTS THAT SHOULD BE REMOVED : EXPERIAN ACCOUNTS THAT NEED TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$58000.00} EQUIFAX ACCOUNTS THAT NEED TO BE REMOVED : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$18000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$58000.00}

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 2025-07-26 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-07-26 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: GA

Complaint narrative:
We had to file XXXX XXXX XXXX  in XX/XX/XXXX with most of the debt owed to our mortgage company. In XXXX, SELENE FINANCE acquired our loan. We paid all our payments to our trustee, while at the same time paying our mortgage payments to Selene. Our XXXX  was XXXX, paid in full in XXXX of XXXX. 

In XX/XX/XXXX, our mortgage statement from Selene was updated to reflect {$0.00} unpaid balance. 

In XX/XX/XXXX, our mortgage statement from Selene started showing an unpaid balance to XXXX payments. When I called to ask about them they said we " missed XXXX payments ''. 

For the past 20 months I have sent in bank statements with proof of payments multiple times, yet they just kept saying we " missed '' XXXX payments. I have asked for a point person to communicate with, but the only phone number they will give me is the general Customer Service number and they say that 'anyone can help me '. 

No one will call me back to discuss this matter. When I email asking to talk to someone about these 'missing payments ' they email back 2 months later, saying that after research they found that we missed XXXX payments. 

I finally got a Customer Service rep that went the extra mile for me and uncovered that I had indeed made all my payments on time. But that my XXXX and XX/XX/XXXX payments were REVERSED and reallocated to cover 'fees ' without our permission. Not sure that is legal... 

We have never been informed of what these 'fees ' are. They continue to say we 'missed XXXX payments ' and always ask if we intend to keep our property. 

And of course, they are reporting it to my credit bureaus so after paying off the entire XXXX  XXXX debt and making all my mortgage payments on time since filing XXXX  XXXX, my credit has been hit as " XXXX  months behind " for the past XXXX  months. And the 'late fees ' on these " XXXX missing payments ' keep piling up as well. 

We have even received Loan Default threats. 

We recontacted our XXXX  attorney who referred us to this site. He said he can send a letter, but he can't make them do anything. He said that his firm has received numerous complaints about Selene Finance. 

I have since, of course, emailed Selene asking for an itemized list of what these 'fees ' were that we are just learning about. I don't expect to get a return email...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The account is currently reporting past the XXXX  year mark. It needs to be removed.

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 2025-07-26 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I complained about this agency and I believe that they are retaliating against me because they are reporting old outdated and fraudulent information about me and they are working with the merchant to keep me down by saying I have good or sometime great chance at obtaining a loan or credit card when I really dont but I try and I never get approvedso what happens I get another inquiry on my report as well as they knock my score down XXXX points on every one and I know Rico is somewhere in that act.These inaccurate accounts and unauthorized inquiries have caused significant harm to my credit scores.

Closed accounts continue to appear with balances, which inflates my utilization. 
New, unauthorized hard inquiries are further damaging my creditworthiness.

Requested Resolution : 1. Immediate deletion of these unauthorized accounts ( XXXX and XXXX ) from my credit reports. 
2. Immediate removal of all unauthorized inquiries made without my consent.

3. Written confirmation from TransUnion, Equifax, and Experian that my reports have been corrected.

4. A full investigation into why these items persist despite prior complaints.thats why I REALLY BELIEVE that they are working against me Discriminating and belittling me and just not caring what I do to try to correct my report if you seen that I been complaining for 2 years about the same issues that never removed but always say verified or updated when they are closed or discharged knowingly keeping them on my report cause its earning the some form of securities, and other monetary gain while I suffer in humiliating disgrace witch is unfair unequal unconstitutional and undeserving

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 2025-07-26 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-07-26 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: MI

Complaint narrative:
I am submitting this formal complaint to Equifax concerning inaccurate information on my credit file that has not been properly validated, confirmed for accuracy, or physically verified.

Upon reviewing my credit report, I identified questionable and potentially incorrect entries that appear to lack proper verification. As a consumer, I have the right to request the prompt removal of such items under both federal and state consumer protection laws. This complaint also serves as a reminder of your obligation to comply with FACTA Title I, Section 151, which outlines the appropriate procedures for handling consumer data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: LA

Complaint narrative:
Im filing this complaint because Experian has continued to report a collection account that is not mine, despite the fact that I have no knowledge of this debt and never authorized or entered into any agreement with the companies involved. The account in question is listed as XXXX XXXX ( Original Creditor : XXXX  XXXX ), with account number XXXX, and it reflects a balance of {$3600.00}, supposedly opened on XX/XX/year>. 

This account appeared on my credit report out of nowhere. I was never contacted by XXXX XXXX or XXXX  XXXX, never sent a bill, never signed a contract, and never received any notice about this alleged debt. I have disputed this account with Experian and requested proper validationsomething that is required under the Fair Credit Reporting Actbut they have failed to remove it and continue to report it as valid without providing any proof of its legitimacy. 

This is causing me serious harm. Ive been denied credit, faced issues while applying for housing, and have suffered emotional stress over something that I did not cause. Its incredibly frustrating to feel powerless while being punished for a debt that clearly does not belong to me. Experians failure to conduct a real investigation shows that they are not following the procedures required under federal law.

Under 15 U.S. Code 1681i, Experian is obligated to reinvestigate disputed information and delete anything that can not be verified. Under 15 U.S. Code 1681e ( b ), they must maintain maximum possible accuracy. Neither of those obligations have been met in my case. To this day, I have not seen a single piece of documentation showing that I have any legal connection to this debt. 

I have not yet filed a complaint with the FTC, but I am now reaching out to the CFPB because Experian has failed to take any meaningful steps to correct this. I am asking for this account to be fully investigated and permanently removed from my credit report unless the original creditor can provide full validation, including my signature on any agreement, a billing history, and proof of service or charges.

I have done everything in my power to resolve this peacefully, but Im being ignored. Im asking for help before this account continues to destroy my credit and cause further harm to my financial life and well-being.

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