vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX, I submitted a complete loan modification application to Selene Finance for the property located at XXXX XXXX Ct, XXXX XXXX, MO XXXX. Since that time, Selene Finance has consistently failed to provide timely updates or clear communication regarding the status of the application, despite multiple attempts on my part to follow up. 

On XX/XX/XXXX, I contacted Selene Finance and was told that all required documents had been received and that the application had been sent to underwriting. I was also assured that the foreclosure sale would be placed on hold pending review. 

I followed up again on XX/XX/XXXX, and was told there had been no activity on the file. At no point during this callor the call on XXXX XXXX I informed that additional documentation had been mailed on XX/XX/XXXX, requiring action from the current owner of the property, who is a non-borrower. This was a critical omission. 

On XX/XX/XXXX, I made XXXX separate calls to Selene Finance in an attempt to get clarity and an update on the loan modification. Each representative I spoke with failed to inform me about the XX/XX/XXXX mailing, and no one provided a path forward. Additionally, multiple requests to escalate the call or speak with a XXXX were denied or ignored, and no one made any effort to contact underwriting. 

It wasnt until XX/XX/XXXX, XXXX continued persistencethat a supervisor finally took my call and informed me that a letter had been sent on XX/XX/XXXX, which required action from the non-borrower. This was the first time this information was disclosed to me, despite my multiple inquiries and follow-ups. 

XXXX XXXX failure to provide adequate communication, proper escalation, and transparency in this process has caused undue stress and confusion. Their negligence has also placed the property at unnecessary risk of foreclosure due to incomplete and undisclosed requirements. 

I am requesting a full investigation into this matter and a formal response from Selene Finance explaining their communication failures, along with immediate corrective actions to protect the property from foreclosure while the loan modification is reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-22 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
On XX/XX/year> I was not at my residence. A young lady came to my home to serve me a document for court from midland credit management , Inc assignee of XXXX XXXX XXXX XXXX XXXX XXXXXXXX ga XXXX. The women looked through all my front windows ( all on my camera ) and set off my driveway alarm, later that day my neighbor brought me an opened document that was tossed in there yard. I called midland to ask they lied about me being served on the first call XX/XX/year> XXXX the rep said yes then said oh no no. He stated a women handed me the documents. ( I called because the information I found on my credit report. ) I called again once my neighbor gave me the open documents at XXXX XXXX XXXX. The rep for very rude and reused to tell me why being served made it okay to leave my information out in the open. I was forwarded to a " manger '' whom confirmed me being " served '' and that they would do an investigation. I was advised to email my recording of the women at my home to XXXX a XXXX XXXX responsed and asked me to verify my information I no longer trust my information with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-22 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: SC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: TX

Complaint narrative:
I discovered an unauthorized and inaccurate collection account on my credit report from Equifax Information Service LLC associated with XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ).

Despite my formal dispute and request for a thorough investigation, Equifax Information Service LLC has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law.

I request that you promptly verify or remove the following account : XXXX - XXXX * * * * - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. 
XXXX  - XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file. 
XXXX - XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file. 
XXXX XXXX XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file. 
XXXX XXXX XXXXXX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file. 
EMPLOYER - XXXXXXXX XXXX  EMPLOYER - XXXX XXXX EMPLOYER - XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-22 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-22 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
My name is XXXX XXXX, and I am filing a complaint regarding an unauthorized transaction on my debit card that occurred at a bar/nightclub I have never visited, stepped foot in, or had any affiliation with. The incident occurred on XX/XX/year>, shortly after midnight. 

I filed a dispute with my bank and provided supporting evidence that I : Was not at the location of the transaction. 
Had no physical access to the debit card. 
Had no involvement in the unauthorized purchase. 

However, my claim was denied, and the reasons given were factually incorrect and contradicted by documentation I provided : I was told the dispute was denied because I logged into my online banking after the unauthorized transaction this is false, and I have proof showing this activity did not occur as described. 
I was also told the card was used again after the fraudulent charge also false. The charge in question was from a physical location and physical use of the card, while the transaction I made afterward was a digital XXXX XXXX purchase, unrelated and legitimate. 

I was told the fraudulent charge occurred on XX/XX/year> again, false. I have proof that the funds to even cover that transaction were not deposited into my account until after midnight on XX/XX/XXXX, meaning the transaction could not have happened prior to that time. 

Despite multiple attempts to contact the bank and escalate the issue including outreach to the executive office, where I have received no response nothing has been done to resolve the situation or honor my rights as a consumer.

This is a violation of the Electronic Fund Transfer Act ( EFTA ) and a failure on the part of my bank to properly investigate, communicate, or handle my case in accordance with federal guidelines. 

I am requesting : A full re-investigation of my denied claim. 
Immediate reimbursement of the fraudulent charge. A written response explaining how the bank justifies the denial in light of the conflicting evidence and documentation I provided. 
Accountability for the failure to respond to repeated inquiries. 

I have all documentation available to support the above, including transaction records, login history, XXXX XXXX receipts, deposit timestamps, and a timeline of my communication with the bank.

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 2025-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a Bank of America credit card. My card was stolen from me on XX/XX/XXXX. Someone swiped my credit card in an XXXX XXXX in XXXX XXXX for {$8700.00}. The transaction was posted on my account on XX/XX/XXXX. I told BoA XXXX Bank of America ) I didn't have my card, and I asked BoA to compare the signature signed and the XXXX BoA has on record, and check Apple Store 's camera and see if I went into the store and who swiped the card, but Bank of America still rejected my claim. The following is BoA 's letter to me explaining why my claim was rejected : We confirmed your card was used for the charge ( XXXX ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. 

Thank you.

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 2025-04-22 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: SC

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-04-22 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-22 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: DE

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX 

Account Name : XXXX XXXX * * * * * * * * * * * - Date Opened XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-22 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief