vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 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: The Savings Group, Inc.
State: TX

Complaint narrative:
I responded to a XXXX XXXX pre-qualification offer for an auto loan refinance, which showed I had high approval odds and could lower my XXXX from XXXX XXXX to XXXX XXXX, with a significant drop in my monthly payment. The offer was routed to XXXX. After submitting my information, XXXX contacted me and said they would just need a hard inquiry since my soft approval looked very strong and I met their criteria. 

After running the hard inquiry, I was offered terms completely different from the pre-approvalan APR of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and a large required down payment. This was a classic bait-and-switch tactic : the pre-qualification terms were used to get me to authorize a hard inquiry, but once XXXX had my credit XXXX, the actual offer was far worse. 

I believe this practice is deceptive and misleading. I would not have consented to a hard inquiry if I had been told the real terms upfront. Now, I have a hard inquiry on my credit report that XXXX negatively impact my score, with no benefit to me. I request that XXXX and/or XXXX XXXX XXXX XXXX inquiry from my credit file and address these predatory lending practices. 

I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) and Better Business Bureau ( BBB ) and will share this experience with online reviews to warn other consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: TX

Complaint narrative:
I formally disputed the account6 reported by XXXX XXXX XXXX with account number XXXX appearing on my credit file. After careful review, I am asserting that this account is being reported in violation of Fair Credit Reporting Act ( FCRA ) and must be permanently removed based on the following. 
1. Unverifiable Information- Violation of 15 U.S.C . 1681i ( a ) ( 1 ) ( A ) The account shows a last activity date of both XX/XX/XXXX and XX/XX/XXXX depending on bureau, indicating materially inconsistent data. This discrepancy makes the information inherently unverifiable and invalid for continued reporting. 
2. Incomplete and Inaccurate Data.-Violation of 15 U.S.C. 1681e ( b ) This report fails to clearly identify the original creditor, contradicts the last activity date, and lacks consistent payment history. The presence of outdated or contradictory details suggests the credit bureau did not use maximum possible accuracy, as required by law.

3.Failure to Investigate Prior Dispute- Violation of 12 U.S.C. 1681i ( a ) ( 3 ) The account includes a remark noting that it was previously disputed, yet no changes were made. If the furnisher could not verify the account with complete documentation ( including signed contracts, full payment history, and chain of title from original creditor ), it must be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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:
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, CHALLENGEDORNOT.

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 2025-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: NC

Complaint narrative:
Mortgage was transferred to Selene in XX/XX/XXXX. During the transfer, the initial company did not cash two months of payment. I sent multiple faxes to Selene, explaining that I paid but checks weren't cashed and I have the money in my acct. But, I requested Selene not cash the old check & id pay over the phone. They found the check and tried to cash. Of course, it didn't go through and I told Selene to get the money directly from me. They ignored me. 

Then Selene sent Notice of Default. They knew I had the money. Selene makes it very difficult to talk to a human. When I did get through, I made the payment over the phone. But Selene did what they wanted- have a Notice of Default in the court system. 

I was severely injured on XX/XX/XXXX & received XXXX XXXX quickly. I have XXXX XXXX XXXX XXXXXXXX & that complicated injury. Additionally, XXXX laid me off in XX/XX/XXXX for XXXX. I submitted a hardship request & said the hardship would be four months. Certainly a 4 month hardship ( XXXX ) is reasonable. 

After the 4 months, I began paying again. I paid XXXX, XXXX, and XXXX mortgage. XXXX refuses to accept the payments and contend I haven't been paying. I believe that my age ( XXXX ), health condition ( XXXX  XXXX ), and XXXX XXXX are the reasons that XXXX isn't cashing my payments and they twant me out of my home. There is no other reasonable explanation. I had a valid hardship for 4 months. I have been paying since then. 

As an aside, Selene insists that my deceased parents are on the mortgage despite the fact that when I assumed the mortgage, my parents were specifically by name and the contract released my parents from responsibility. It may seem a little thing. But it is a sample of how Selene dismisses everything I say.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: IL

Complaint narrative:
Experian has contacted me after theyre investigation and claimed to have verified these account and labeled them as Accurate Please provide to me the following : Where are the documents that you used to verify these accounts? 
What is the name of the person in your company who verified these accounts? 
What documents did they use to verify them? 
What is the method of verification? 
Please provide me with the name of that individual, their business address, and telephone number used to VALIDATE and AUTHENTICATE these accounts as true and 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 2025-07-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-12 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: NC

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off.

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: I.C. System, Inc.
State: TX

Complaint narrative:
IC Systems is reporting a 10+ year old XXXX debt on my XXXX  credit report. I have disputed this debt multiple times and successfully had it removed, and then it reappears later with a new, more recent date of debt. Most recently, they are reporting the account opened in XXXX and are unable to provide me any proof of an open XXXX  account in XXXX. The true date of this delinquency is XXXX. This should not keep reappearing in my report. It is illegal for them to continue to do this. Company no longer responsive to me or my complaints about unfair and illegal debt collection practices and reporting. I have hired an attorney for this as well.

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 2025-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
XXXX XXXX XXXX account # XXXX I'm unaware of this dispute and did not have the opportunity to dispute this account. If you believe you sent the proper notification, please provide " certified mail '' with a receipt displaying my signature. If not, please delete the account # XXXX soon as possible from my report or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: PR

Complaint narrative:
In accordance with the fair credit reporting act account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602A. STATES I HAVE THE RIGHT TO privacy.

15 USC 1681 Section 604 A Section 2 : It Also States a consumer reporting agencia can not furnish a account without my written instruccions.

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 2025-07-12 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: CA

Complaint narrative:
I request the removal of this information from my credit report within XXXX business days, in accordance with section 605C of the Fair Credit Reporting Act. I would like to be informed about the actions taken. Thank you for your swift attention to this issue.a

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint against the credit reporting agencies TransUnion, Experian, and Equifax for failing to ensure the maximum possible accuracy of the information they report on my credit file, as required under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ). I recently disputed several derogatory accounts on my credit report and requested verification. Despite my request, some of the accounts came back as " verified, '' yet they still reflect incorrect, incomplete, or inconsistent information across the three credit bureaus. 

XXXX Account XXXX Status : Paid Inconsistencies : Open date discrepancy ( XX/XX/year> vs XX/XX/year> ) ; credit limit not reported by Equifax ; inconsistent high credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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:
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, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: SC

Complaint narrative:
XXXXXXXX XXXX account # XXXX I'm unaware of this dispute and did not have the opportunity to dispute this account. If you believe you sent the proper notification, please provide " certified mail '' with a receipt displaying my signature. If not, please delete the account # XXXX as soon as possible from my report or I will take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: TX

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established under my name. I would appreciate it if you could consider this situation while reviewing my credit report and take appropriate actions to rectify any inaccuracies or fraudulent activities. 
Please take this information off my credit report within four business days, as outlined in section 605C of the Fair Credit Reporting Act. Id appreciate a notification regarding the actions taken. Thanks for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: TX

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established under my name. I would appreciate it if you could consider this situation while reviewing my credit report and take appropriate actions to rectify any inaccuracies or fraudulent activities. 
Please take this information off my credit report within four business days, as outlined in section 605C of the Fair Credit Reporting Act. Id appreciate a notification regarding the actions taken. Thanks for your prompt attention to this matter.

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 2025-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Car Credit Finance, LLC
State: GA

Complaint narrative:
My car was repossessed JXXXX XXXX XXXX for no auto insurance! However, I was insured with XXXX XXXX XXXX before, during, and after the illegal repossession took place! I even gave information to the Lender about valid proof of car insurance and my car was still repossessed!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: OH

Complaint narrative:
XX/XX/XXXX These items reporting on my credit report is also past the XXXX year statue of reporting and thus needs to be removed. 


* * All these items will be required or under FCRA these illegal items must be removed within XXXX days * * An explanation of what this illegal account is for. 

Documentation that shows I agree to pay this illegal debt The agreement that grants you authority to collect on this alleged illegal debt A copy of your state license, including state number. 

Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX  report. 

Remove all negative fraudulent items not associated with me! 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within XXXX days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, Equifax, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$1600.00} XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$730.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$15000.00} * * Inquiries * *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: MI

Complaint narrative:
My accounts with XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are all inaccurate. I sent a letter via certified mail on XX/XX/XXXX to all of these companies requesting specific documentation of payments made and missed payments. XXXXXXXX XXXX reported updated information indicating items were in dispute on XXXX, although on XXXX, they indicated items were resolved by grantor. On XX/XX/XXXX they indicated items are again in review. They have altered one missed payments made from XXXX of XXXX to on time, then put it back to 30 days past due the following day, failing to address any issues. Further, all companies have not provided the information requested as of today XX/XX/XXXX. And I have nothing in the mail from any of these companies today in my XXXX  preview. Please delete all past due accounts given the lack of response.

Company response to consumer: Closed with non-monetary relief