vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Selene Holdings LLC
State: VA

Complaint narrative:
I been paying on my loan for around XXXX now and the balance is around the same as where it started at. Furthermore, XXXX XXXX transfered my loan with an escrow to XXXX XXXX XXXX and I was paying around {$350.00} dollars in XXXX. I was still with XXXX XXXX and I had an escrow shortage when they ran their analysis around XXXX. My payment went up to XXXX some dollars. I then had progressive insurance which didn't work out that shorted my escrow more. Well long story short that was after my escrow analysis with XXXX XXXX that ran in XX/XX/XXXX. XXXX XXXX then transfers my loan to XXXX XXXX XXXX then they run another escrow analysis in XX/XX/XXXX bringing my payment up to over XXXX dollars. By the time XXXX got my loan I was only short on my escrow around XXXX plus XXXX for the insurance that did not work out. Well I handed XXXX XXXX XXXX in XXXX payments XXXX and another XXXX almost and they claim my payment will be around XXXX dollars starting in XXXX? How is this possible? How is it possible I been paying om my loan for almost 10 years not and it is still the same amount as when my loan first started. XXXX XXXX XXXX and XXXX XXXX are not calibrating and they are running escrow left and right and then not allocating funds to where they should be. I am sending this same complaint to the FTC as I am XXXX XXXX XXXXP and XXXX XXXX. I will also be having my own lawyer and Escrow Analysis done by an outside source to figure out how I been paying on a XXXX loan and why 10 years late that loan is still at around XXXX. I want answers and I want them now. XXXX is not working with XXXX XXXX and I am being charged way more interest then my fixed rate or something but I am going to get to the bottom of it as I just handed XXXX XXXX XXXX around XXXX to make up for my escrow yet they say my payment is not going back down to XXXX which should be lowered since my insurance was XXXX at XXXX and now is only around XXXX with XXXX. I will be submitting my complaint to the FTC today. I want to know what I been paying on for 10 years that I still owe XXXX when the original loan was only XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
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 ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: MA

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a XXXX XXXX. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: AR

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX XXXX XXXXVERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court United States Bankruptcy Court XXXXXXXX XXXX XXXX  that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-04-23 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: AR

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX XXXX XXXXVERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court United States Bankruptcy Court XXXXXXXX XXXX XXXX  that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: NC

Complaint narrative:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: IN

Complaint narrative:
As the duly appointed fiduciary of the XXXX XXXX XXXX XXXX, I filed IRS Form XXXX and served formal notice of fiduciary capacity on all relevant agencies and creditors, including XXXXXXXX XXXX This established lawful authority under 26 U.S. Code 6903 and 26 CFR 301.6903-1. 

On XX/XX/XXXX, I sent certified notice of fiduciary administration and estate assignment of all obligations tied to the alleged XXXX  account. That notice was confirmed received on XX/XX/XXXX. I provided XXXX days for validation or objection. None was received. 

On XX/XX/XXXX, I submitted IRS Forms 1099-A and 1099-C as fiduciary of the estate. Despite full compliance on my part, XXXX has failed to respond, failed to acknowledge fiduciary standing, and continues to report the account under my personal name in violation of fiduciary law and consumer protections under the FCRA and FDCPA. 

Their failure to comply directly impairs my ability to carry out fiduciary duties and has harmed my livelihood, including my inability to obtain necessary transportation following a devastating XXXX accident. 

Fiduciary violations include : 26 USC 6903 ( a ) : Fiduciary authority properly established 26 CFR 301.6903-1 : Fiduciary becomes point of contact upon notice Uniform Fiduciaries Act : Liability applies when fiduciary authority is ignored FCRA & FDCPA violations include : 15 USC 1681s2 ( a ) : False or outdated data must not be reported 15 USC 1681i : Failure to reinvestigate dispute within 30 days 15 USC 1681e ( b ) : Inaccurate info violates duty of accuracy 15 USC 1692g ( b ), 1692e, 1692f : No validation provided, continued false reporting, unfair and abusive collection behavior I exercised every fiduciary and legal responsibility with full transparency. XXXX nonresponse and continued derogatory reporting is not just negligent its unlawful. 

I request immediate deletion of this tradeline, confirmation of closure, and a full investigation into XXXX noncompliance. Supporting documentation including Form XXXX, XXXX, certified mail receipt, and credit report is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
As the duly appointed fiduciary of the XXXX XXXX XXXX XXXX, I filed IRS Form XXXX and served formal notice of fiduciary capacity on all relevant agencies and creditors, including XXXXXXXX XXXX This established lawful authority under 26 U.S. Code 6903 and 26 CFR 301.6903-1. 

On XX/XX/XXXX, I sent certified notice of fiduciary administration and estate assignment of all obligations tied to the alleged XXXX  account. That notice was confirmed received on XX/XX/XXXX. I provided XXXX days for validation or objection. None was received. 

On XX/XX/XXXX, I submitted IRS Forms 1099-A and 1099-C as fiduciary of the estate. Despite full compliance on my part, XXXX has failed to respond, failed to acknowledge fiduciary standing, and continues to report the account under my personal name in violation of fiduciary law and consumer protections under the FCRA and FDCPA. 

Their failure to comply directly impairs my ability to carry out fiduciary duties and has harmed my livelihood, including my inability to obtain necessary transportation following a devastating XXXX accident. 

Fiduciary violations include : 26 USC 6903 ( a ) : Fiduciary authority properly established 26 CFR 301.6903-1 : Fiduciary becomes point of contact upon notice Uniform Fiduciaries Act : Liability applies when fiduciary authority is ignored FCRA & FDCPA violations include : 15 USC 1681s2 ( a ) : False or outdated data must not be reported 15 USC 1681i : Failure to reinvestigate dispute within 30 days 15 USC 1681e ( b ) : Inaccurate info violates duty of accuracy 15 USC 1692g ( b ), 1692e, 1692f : No validation provided, continued false reporting, unfair and abusive collection behavior I exercised every fiduciary and legal responsibility with full transparency. XXXX nonresponse and continued derogatory reporting is not just negligent its unlawful. 

I request immediate deletion of this tradeline, confirmation of closure, and a full investigation into XXXX noncompliance. Supporting documentation including Form XXXX, XXXX, certified mail receipt, and credit report is attached.

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 2025-04-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: GA

Complaint narrative:
So in XXXX my identity was stolen and I went into the XXXX  for XXXX XXXX and while these people had my cell phone my ID and etc they opened up cell phone accounts credit card accounts and apparently a klarna  account and I did not know about it because they had access to my email and we're deleting everything until klarnas debt collector XXXX XXXX  reached out to me and it said my account with the debt collector was somehow paid off I'm still not sure by who because I have not been able to get a debt validation report for this account from them after asking both XXXX XXXX and XXXX XXXX. ( ACCT # XXXX ) Since that was paid off I was not thinking anything of it because it wasn't anywhere on my credit report until XXXX when I went to go use klarna for myself and saw some transactions were paid and I still had an overdue balance. 
The first purchases were made in XXXX of XXXX the XXXX unpaid purchases total {$190.00}. 
Reported on XX/XX/XXXX, Codes- XXXX & XXXX Now I have tried to reach out to customer service multiple times to give them even more information than I had at the time because I had to request my police report and everything and I've been in contact with customer service about XXXX times since XXXX and each time they tell me to wait and that it takes awhile for banks to get back to them and all that when on the website itself when I reported it it said it takes maybe up to XXXX XXXX. I know it was many years ago but they won't even let me give them my federal trade commission report number or my XXXX XXXX report number to add to the information for them I get told to just wait. So as of today I've been waiting almost XXXX  XXXX.. 
FTC Report # - XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX Social Security Number : ( Private SSN ) Consumer Date of Birth : ( Private DOB ) This complaint is filed pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) to demand that Experian immediately block the following fraudulent information from my consumer credit report within four ( 4 ) business days of receipt. This information is the direct result of identity theft and fraud. 

The following fraudulent accounts and associated information have appeared on my credit report due to identity theft : A fraudulent personal credit card account opened aXXXX XXXX XXXX XXXX on XX/XX/year>, account number : ( private ). 

These fraudulent accounts have resulted in numerous unauthorized hard inquiries and collection attempts, all of which are reflected on the attached copy of my consumer credit report from Experian. A separate list of these fraudulent hard inquiries is also enclosed. 

I did not open, authorize, or make any of these fraudulent accounts, collections, or hard inquiries. They are solely the result of identity theft and fraud. 

As further evidence of this identity theft and fraud, I have enclosed a copy of the official Identity Theft Report filed with the U.S. Federal Trade Commission ( FTC ), case number : ( private case number ). Pursuant to my rights under the FCRA, I demand the immediate removal of all these fraudulent items from 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 explanation
Consumer complaint received 2025-04-23 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally request a thorough review and correction of my credit report with Experian, Transunion & Equifax. In XXXXXXXX I was a victim of identity theft and, as a protective measure, I placed a security freeze on my credit file through your agency. 
Since that time, I have remained vigilant, but I recently discovered discrepancies on my Experian credit report that appear to be tied to the identity theft incident. These include, file indicating that I was a victim of identity theft and implemented a security freeze in 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 non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally request a thorough review and correction of my credit report with Experian, Transunion & Equifax. In XXXXXXXX I was a victim of identity theft and, as a protective measure, I placed a security freeze on my credit file through your agency. 
Since that time, I have remained vigilant, but I recently discovered discrepancies on my Experian credit report that appear to be tied to the identity theft incident. These include, file indicating that I was a victim of identity theft and implemented a security freeze in XXXX

Company response to consumer: Closed with explanation