vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: NC

Complaint narrative:
I requested reconsideration of my COVID-19 loss mitigation approval, which was granted on XX/XX/year>. I initially called ( with Housing Counselor on phone ) on XX/XX/year>, to provide my verbal agreement to the COVID-19 loss mitigation offer and was informed that a packet would be sent out to me on XX/XX/year>. The agent stated it would take a few days to gather the paperwork and by XXXX  XX/XX/XXXX, a packet would be placed in the mail and I should receive it shortly after. However, I never received any such packet in the mail. 
Instead, I experienced ongoing confusion from various agents regarding additional documentation requirements ( Called between XXXX XXXX ). I spoke to XXXX on XX/XX/year> who instructed i send a full complete loss mitigation packet and he refused to explain why after i repeatedly requested an explanation. I complied with the request to submit an updated signature page reflecting the correct year XX/XX/year> and again on XX/XX/year> ), yet my account was still noted as not having accepted the COVID-19 loss mitigation decision by XX/XX/year>. I was subsequently instructed to submit a new loss mitigation application but was not informed that my COVID-19 approval was no longer under review. 
Unfortunately, my new loss mitigation application was denied on the grounds that I was not eligible. ( XX/XX/year> ) Given the discrepancies in the information I was provided and my documented verbal agreement on XX/XX/year>, I requested a full review of my account which i sent via email on XX/XX/year> at the direction of customer service agent XXXX. 
Since I was approved for COVID-19 loss mitigation ( Around XXXX XXXX ), and the call records confirm my verbal acceptance ( XX/XX/year> ). I have requested an additional review of my packet and informed Selene that I am now in a position to resume my monthly payments. I also requested that my past due balance be placed at the end of my loan so that I can move forward in good standing.This has all been denied and I was told on XX/XX/year> that my dispute and Request for Reconsideration for the COVID-19 Mortgage Loan Modification offer wqs denied with no additional reason. I was told I could only reapply for Loss Mitigation or pay the XXXX past due balance when I spoke to XXXX XXXX XX/XX/XXXX ( Same person from XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
XX/XX/XXXX To Whom It May Concern, I am writing to formally request validation of the debt listed under my name for the amount of {$190.00}, allegedly owed to XXXX in XXXX of XXXX. I returned the phones within the time allowed ( XXXX  days of purchase ) and provided them a receipt, paid a return fee, and was told by XXXX XXXX representative in person that I would be reimbursed once the phones were received. I never received that reimbursement, and the charges continued even after I canceled the service in less than a week. After being told that my bill was {$100.00} a month, and finding out that my bill would actually be {$120.00}, I decided to return the phones. Not only do I not owe this amount, XXXX XXXX OWES ME for the amount i paid for the phones and the prorated amount for the month that I never used or had service for. When calling XXXX XXXX after receiving the XXXX $ bill, they told me over the phone, that once I paid my last months bill, they would pay me anything that was owed to me, but why would I believe them if they gave me false information the first time when returning my phones. It doesnt make sense that I have to pay them for them to pay me if i returned the phones in a timely manner. After calling the XXXX  time, they stated having no information of the first payment I gave to them when purchasing phones, no information about any reimbursement owed to me, and forwarded me to the collection agency number. They claimed the XXXX was thr XXXX  months bill and XXXX  months bill and a late fee. How do I owe the XXXX month when I returned the phones in less than a week? I want to mention that XXXX credit bureau already had it removed and when I submitted the dispute through transunion it stated it was already approved. Im unsure why it's still there. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide proper validation of this debt, including : 1. The original signed agreement or contract. 


2. A complete payment history, including dates and amounts. 


3. Proof that I still owe this amount after the return and cancellation. 



Until this debt is properly validated, I request that all collection efforts stop, and the item be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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: MS

Complaint narrative:
My personal and financial data was compromised. Per FERPA, student loans are confidential. I am requesting full removal of all student loan from my report based on violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: CA

Complaint narrative:
They are reporting late payments to an account that was paid off early.

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 2025-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, CA, XXXX Date of Birth : XXXX Last 4 of SSN : XXXX To whom is May Concern, Collector Name : DEBT RECOVERY SOLUTIONS Address : XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX This item was purchased by a Third Party Debt Collector. This account must be deleted as the status is not correct, the amount is not correct and the account was paid for less than owed by the Third Party Debt Collector.

As you can see by my attached credit reports and highlighted issues. This information is NOT CORRECT & NOT ACCURATE. Therefore it must be DELETED IMMEDIATELY. 

Here is the account name and number for reference and incorrect amount also. 

How much did the collection company pay for this item? I don't know and neither does my credit report reflect such amounts. This is a clear violation of the FCRA as this is not accurate or complete. DELETE THIS IMMEDIATELY! 



Collector Name : DEBT RECOVERY SOLUTIONS Address : XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX RE : Cease and Desist Collection Activities Account Number : XXXX Dear : DEBT RECOVERY SOLUTIONS Subject : Request for Validation of Debt under the Fair Debt Collection Practices Act ( FDCPA ) regarding an alleged debt you claim I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide validation of this debt. I do not acknowledge ownership of this debt and request that you provide the following information : The name : XXXX XXXX ISSUED of the original creditor. The amount of the debt, including an itemized breakdown of any fees, interest, or charges added. A copy of the signed agreement or contract that verifies my responsibility for the debt. Documentation that you have the legal authority to collect this debt. A record of any payments made on the account, if applicable. Under the FDCPA, you are required to cease all collection activities until you have provided me with proper validation of this debt. Failure to comply with this request may result in legal action. Additionally, I request that all future communication regarding this matter be conducted in writing. If you report this debt to any credit reporting agencies without proper validation, I will consider this a violation of the FDCPA and will pursue legal remedies as necessary. Please respond within the 30-day timeframe as stipulated by law. Failure to respond adequately will be taken as confirmation that you are unable to validate the debt, and you must cease collection efforts immediately. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: MD

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

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 2025-04-13 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
Received a credit report with a balance from XXXXXXXX XXXX for an account they closed without any notices

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: CA

Complaint narrative:
Please note the vehicle was part of a lemon law claim, and the vehicle can not be fixed. 
XXXX XXXX XXXXXXXX was aware of this situation. The vehicle sat for years, unable to drive ( safety issues ) and Covid. ( Court was delayed. ). 

XXXX XXXX  XXXX has an incorrect principal balance, and I have written to them several times. I have called as well to try and get this situation resolved. I have provided my documentation to show the correct principal for this simple interest auto loan should be after the last payment on XX/XX/XXXX. The loan was due on XX/XX/XXXX. The principal balance is {$10000.00XXXX XXXX XXXXXXXX XXXX is stating that the principal balance is {$14000.00}, which does not match my purchase contract. I have asked to show proof. 

This is causing harm to me financially with the incorrect reporting to the credit agencies.

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 2025-04-14 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: CA

Complaint narrative:
Please note the vehicle was part of a lemon law claim, and the vehicle can not be fixed. 
XXXX XXXXXXXX XXXX was aware of this situation. The vehicle sat for years, unable to drive ( safety issues ) and XXXX. ( XXXX was delayed. ). 

XXXX XXXX  XXXX has an incorrect principal balance, and I have written to them several times. I have called as well to try and get this situation resolved. I have provided my documentation to show the correct principal for this simple interest auto loan should be after the last payment on XX/XX/XXXX. The loan was due on XX/XX/XXXX. The principal balance is {$10000.00}. XXXX XXXX XXXXXXXX is stating that the principal balance is {$14000.00}, which does not match my purchase contract. I have asked to show proof. 

This is causing harm to me financially with the incorrect reporting to the credit agencies.

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 2025-04-14 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: CA

Complaint narrative:
Please note the vehicle was part of a lemon law claim, and the vehicle can not be fixed. 
XXXX XXXX XXXXXXXX was aware of this situation. The vehicle sat for years, unable XXXX XXXX ( safety issues ) and XXXX. ( XXXX was delayed. ). 

XXXX XXXX XXXXXXXX has an incorrect principal balance, and I have written to them several times. I have called as well to try and get this situation resolved. I have provided my documentation to show the correct principal for this simple interest auto loan should be after the last payment on XX/XX/XXXX. The loan was due on XX/XX/XXXX. The principal balance is {$10000.00}XXXX XXXX XXXX XXXXXXXX is stating that the principal balance is {$14000.00}, which does not match my purchase contract. I have asked to show proof. 

This is causing harm to me financially with the incorrect reporting to the credit agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
i had a loan with ally financial for XXXX XXXX XXXX i made all payments on time .i refinanced the loan through XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX off my loan with ally.i regularly check my credit and saw that ally reported that i made my two last payments 30 days late.i contacted XXXX  XXXX XXXX and was told that they paid ally the full balence owed on time and that ally was wrong for reporting any late payments th loan was for my XXXX XXXX XXXX XXXX  wich i still own.i was never late with ally and want my credit to be updated to show that..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I purchased a used XXXX XXXX XXXX XXXX as my first car purchase from XXXX XXXX XXXX XXXX XX/XX/XXXX with a loan from Capital One. The terms of the loan were {$51000.00} financed for 72 months at 8.9 % interest. Since my initial purchase, I have paid {$25000.00} with {$9600.00} going toward interest. However, the car was defective at purchase. Both the camera and emergency braking system began malfunctioning the day after I brought it home. I have taken it to XXXX dealers many times since that day, but they have been unable to identify an issue. I have also filed multiple Lemon Law claims with XXXX that have constantly been denied with no reasoning. 
For 3 years now, I have been stuck with a faulty vehicle that I can not trade nor refinance due to almost {$19000.00} in negative equity with {$35000.00} remaining to payoff loan though the vehicle is worth only {$16000.00} according to quotes I've been given at multiple dealers. 

It is my belief that XXXX XXXX XXXX were aware of this vehicles faults at time of purchase, that Capital One engaged in predatory lending practices by knowingly over-financing this vehicle, and that XXXX 's plan is to ignore my situation with its persistent denials.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
On XX/XX/XXXX, a charge from XXXX was processed on my new Bank of America debit card. I had recently closed a checking account opened with my wife in XXXX and we decided to keep and only bank with one older checking account she originally opened back in XXXX. Since the checking account we use now was originally her account, I never had a debit card linked to that account. I ordered a new debit card for that account and that's when I discovered XXXX used my new card without my permission or knowledge. I never entered or updated my new card information in their system. 

I believe Bank of America shared my updated debit card details with XXXX without my consent, possibly through the XXXX Account XXXX XXXX XXXX This charge was unexpected and unauthorized. When I contacted Bank of America, I spoke with five different representatives, three denied any knowledge of the updater program, and two were supervisors rejecting help or solving the issue by XXXX  us out of the Service. A service that automatically enrolls us as consumers without our knowledge or approval, which to me is deceitful. Both supervisors asked me to contact XXXX XXXX XXXX  to ask to be opted out of the program, which I researched and read would be Bank of America 's response since they do not want to take responsibility.

This matter feels extremely uneasy, and invasive. 

I am requesting a full investigation into how my updated card number was shared, a reversal of the XXXX charge, and to be permanently opted out of any automatic account/card updater services. I should not have to worry about merchants receiving and charging new cards that I never personally shared with them.

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 monetary relief
Consumer complaint received 2025-04-13 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: IN

Complaint narrative:
TRANSUNION TRANSUNION CONSUMER SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX ATTN : DISPUTEXXXX XXXX XXXXXXXX RE : FRAUDULENT HARD INQUIRY Please be advised that as of XX/XX/XXXX, as listed on my most recently reviewed consumer credit report, there are XXXX fraud/unauthorized inquiries listed. As a reference, please see the below inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Notes : Unspecified. 

I am hereby notifying you that this inquiry is fraudulent and neither on that date or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Transunion permission to furnish this information. Having understood this is a violation of 15 U.S.C. 1681b. Both together and separately my consumer and privacy rights are being violated. 

The aforementioned fraudulent/unauthorized hard inquiry is to be removed from my consumer credit report and file IMMEDIATELY as the reporting of it has caused me and my reputation harm and discrimination. 

Without Prejudice, 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 2025-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation
State: TX

Complaint narrative:
UNITED REVENUE has frauduently reported a false debt on my credit report. I have never signed a contractual agreement with this company nor have I ever gave this company permission to report any information on my credit report. This complaint serves as my formal dispute of the validity of the alleged debt referenced as account number XXXX amount {$980.00} and account number XXXX amount {$980.00} I have no knowledge of this debt, nor have I ever opened or authorized any such account. As this debt does not belong to me, I am requesting that you immediately cease all collection efforts, terminate the account, and remove any related information from my credit report. Failure to do so will leave me no choice but to pursue legal action to protect my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: CA

Complaint narrative:
My ex girlfriend opened several accounts in my name, these are not my accounts. I want these removed from my report right away. I was made aware of a lawsuit filed by the CFPB against the credit bureaus alleging that consumer disputes are not being handled correctly. I request my dispute be handled per the lawsuit guidelines, if not, please include me in the lawsuit against the credit bureaus. Please remove these accounts from my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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: CA

Complaint narrative:
My ex girlfriend opened several accounts in my name, these are not my accounts. I want these removed from my report right away. I was made aware of a lawsuit filed by the CFPB against the credit bureaus alleging that consumer disputes are not being handled correctly. I request my dispute be handled per the lawsuit guidelines, if not, please include me in the lawsuit against the credit bureaus. Please remove these accounts from my file.

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