vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 00:00:00
Product: Mortgage — Conventional home 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: MT

Complaint narrative:
My mortgage started with a company named XXXX. I had a change in my income status and got behind on the loan payments through handled paperwork, conflicting advice from representatives, no single point of contact, the loan proceeded to get more behind. I was in transferred to another XXXX company, in which I did finally get approved for modification. I completed the modification process got the congratulations letter, signed my paperwork, but they did not sign it and transferred it to a different company named Selene. XXXX had 28 days to sign the last piece of paperwork before transferring my loan to Selene. I know I had to apply for a modification through Selene two times because theyre claiming they didnt get the paperwork. The first time they denied my modification because they did not do my income correctly. I appeal their decision with the proper income and they denied it within one day the flu. I call and try and figure out whats going on and every representative has a different thing or paperwork or wait that I should be doing. It is so confusing and overwhelming by now. I just want to keep my house. They wont tell me if its gon na be up for sale in XXXX. I feel that the modification that I completed with XXXX shouldve went over into Selene because I did my part. I did my paperwork, they did not all they had to do was sign that last piece of paperwork and Selene is claiming that they did not, and so they will not honor it at this point. It has been nothing but almost 2 years of modification applications paperwork back-and-forth for months. Its like they are trying to delay the process to the point where I have to sell my house or give up my house. Its like I was set up for failure. The part that bothers me the most is that XXXX was able to transfer my title to Selene without finishing their part of the modification. I was told that my account was on hold until the modification was complete so my question is how were they able to transfer my title when it was on hold

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: PA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-26 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: DE

Complaint narrative:
The following accounts are being disputed due to inaccuracies. I demand immediate action to investigate and correct them. If these accounts can not be verified, they should be removed from my credit report immediately. 

Charged Off Accounts : No charged-off accounts in dispute for TransUnion. 

Inquiries : XXXX Date : XXXX Late Payments : XXXX  XXXX, Account Number : XXXX XXXX XXXXXXXX, Account Number : XXXX XXXX, Account Number : 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 2025-11-26 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: GA

Complaint narrative:
Dear Sir/Madam, I am a consumer attempting to address inaccuracies on my credit report. Below are the details of accounts in dispute, which I believe are incorrect or require further investigation. Please review and resolve the discrepancies listed for each bureau. 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$270.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} Inquiries : XXXX  Date : XX/XX/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 2025-11-26 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: IL

Complaint narrative:
This is not my account I never had a account with XXXX XXXX this account was opened fraudulent I was incarcerated when this account was opened I will be submitting documents

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 2025-11-26 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: Torres Credit Services, Inc.
State: IL

Complaint narrative:
This is not my account I never had a account with XXXX XXXX this account was opened fraudulent I was incarcerated when this account was opened I will be submitting documents

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NY

Complaint narrative:
Subject : Urgent : Funds Held Beyond 180 Days Immediate Resolution Requested Hello, My name is XXXX XXXX, and I have been using Square for my business for a long time. For over a year, my account has had funds on hold, and despite reaching out to Square support multiple times ( at least XXXX separate occasions ), I continue receiving the same response : Please wait until we get back to you. 

Square initially informed me that the funds would be released after 180 days, yet no action has been taken, and I have not received any meaningful update or explanation. 

This situation has caused significant financial inconvenience, and I am requesting immediate clarification and the prompt release of my funds. 

You can reach me at : XXXX I expect a timely resolution, as this matter has already exceeded reasonable time limits. 

Thank you. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because I am a victim of a data breach, and my credit report now contains late payment remarks that are misleading, inaccurate, and not supported by any valid records. These late remarks do not reflect my actual payment history and appear to be the result of incorrect or mishandled information. This false reporting is causing significant harm to my credit standing. Despite my consistent efforts to maintain my accounts in good standing, the credit bureaus and the furnisher have reported derogatory information that is factually incorrect and does not align with my records. This inaccurate reporting violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 607 ( b ), which requires maximum possible accuracy, and 611 ( a ), which requires reinvestigation of disputed information.

I have attempted to resolve this issue directly with the credit bureaus, but the inaccurate late remarks remain. These false delinquencies create a misleading profile of my creditworthiness and have already affected my ability to obtain favorable credit terms. I am requesting the CFPBs assistance in ensuring that the credit bureaus and the furnisher comply with federal law and correct or remove all inaccurate information. 

XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: MS

Complaint narrative:
This complaint is being filed because TransUnion continues to report inaccurate information. I request assistance ensuring compliance with all FCRA reinvestigation and accuracy requirements.

1. Charged-Off Accounts Containing Errors TransUnion is reporting the following accounts with inaccurate or inconsistent data. These accounts reflect {$0.00} balances but remain listed as charged-off or duplicated. I request proper verification or correction : XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Acct XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Acct : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$0.00} 2. Incorrect Hard Inquiry The following inquiry appears without my authorization : XXXX XXXX XX/XX/XXXX I request verification of permissible purpose or removal. 

3. Disputed Late Payment Reporting The following late payment reporting is inaccurate and requires verification or removal : XXXX XXXX Acct : XXXX Please complete a lawful reinvestigation and correct any inaccurate entries.

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: SC

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On one then more occasions, I have been hacked via XXXX, meaning my bank card connected to XXXX  has had multiple with drawls disputing those fees via XXXX  or my bank has always been a decline, recently a app called XXXX  withdrew so much money back to back from my debit card via XXXX XXXX, yet there has been no real help from XXXX  or navy federal. However recently I made. A purchase on XXXX I received the other vendors items besides the wig I purchased. I submitted a claim via navy federal about this, and disputed partial bill, because I have yet to receive what I paid for, however the investigation has went no where navy federal has not gotten a response and its just sitting idle. Theres been no real resolution

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-26 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: CT

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: NJ

Complaint narrative:
* * A hard credit inquiry from XXXX XXXX  ( XXXX  ) appeared on my TransUnion credit report without my authorization. I did not apply for credit, did not initiate any membership or loan application, and did not give XXXX XXXX XXXX XXXX permission to access my credit file. 

XXXX XXXX had no permissible purpose under the Fair Credit Reporting Act ( FCRA 1681b ) to obtain my credit report. 

I have already filed an FTC Identity Theft Report ( Report # XXXX ), which confirms this was an unauthorized and fraudulent inquiry. 

I am requesting that the CFPB require : 1. Immediate removal of the unauthorized XXXX XXXX  ( XXXX  ) inquiry from my TransUnion credit report pursuant to FCRA 1681c-2. 

2. Correction of any related data tied to this unauthorized access. 

XXXX XXXX has no record of me applying for any product, and this inquiry has negatively impacted my credit profile. I want this inquiry deleted immediately as it was made without my knowledge or consent. * *

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 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NC

Complaint narrative:
I filed a formal dispute with LexisNexis regarding a bankruptcy record appearing in my consumer file. I requested that the record be removed due to lack of verification under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

LexisNexis responded by stating that the record was verified through XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX ). However, XXXX  is not a data furnisher and does not verify or confirm data. I followed up by providing LexisNexis with a formal letter from the XXXX  XXXX XXXX stating that the court does not verify or furnish information to credit reporting agencies. 

LexisNexis has not identified a proper furnisher of information as required under FCRA 611 ( a ) ( XXXX ), nor have they demonstrated that a reasonable reinvestigation took place under 611 ( a ) ( XXXX ) ( A ). Their continued reliance on XXXX  alone is a procedural violation of their legal obligations to ensure accuracy and fairness in consumer reporting. 

I have made multiple good-faith attempts to resolve this directly with LexisNexis, including sending documentation verifying my identity and the courts non-involvement in data furnishing. They have failed to act appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: CA

Complaint narrative:
I formally request deletion of these incorrect accounts within 15 days per FCRA mandates.

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 2025-11-26 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: GA

Complaint narrative:
I am writing to formally dispute certain accounts and items on my credit report that I believe to be inaccurate or incomplete. Below is a detailed list of accounts I am disputing with the respective credit bureaus. 

Charged Off Accounts : [ No accounts listed ] Inquiries : XXXX  XXXX, Date of Inquiry : XX/XX/year>

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 2025-11-26 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-26 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: EQUIFAX, INC.
State: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
I disputed charges that I didn't do and they ended up saying there was unusual activity on my account and gave me partial credit back then froze my accounts because of the fraud someone else did on my account. Now they said I can not access my money to pay bills they wont close my accounts or anything to access my money I don't know what else to do. I don't see how they can just hold my hard earned money??

Company response to consumer: Closed with explanation