vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: TX

Complaint narrative:
The original loan was serviced by XXXX Mortgage XXXX and transferred to Selene Finance LP around XX/XX/XXXX. Shortly after the transfer, Selene issued Notices of Acceleration dated XX/XX/XXXX and XX/XX/XXXX, which I disputed in writing because the accounting and ownership of the loan were unclear. I continued to send qualified written requests and notices of error, but Selene failed to correct or explain the discrepancies. Despite the ongoing dispute, Selene and its foreclosure attorneys ( XXXXXXXX XXXX XXXXXXXX, XXXX. ) have now scheduled my home for foreclosure on XX/XX/XXXX. I am asking the CFPB to intervene to ensure Selene follows federal servicing standards, verifies the loan ownership, and halts any foreclosure while the record is corrected. 

This issue is currently the subject of pending court proceedings, but I am seeking administrative relief through CFPB oversight to ensure the servicers compliance with federal mortgage-servicing standards

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: OK

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 explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AL

Complaint narrative:
Chime online banking is are having delayed direct deposits to my bank which is causing me to pay some of my bills late as well as take care of other important things need to do. This problem has been occurring every week for a month and chime has done nothing to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am raising this dispute because unauthorized and inaccurate accounts have been added to my credit report without my consent. I did not open or authorize these accounts, and I never received any notice of their addition. The fact that these accounts are being reported differently by each bureau is deeply concerning and violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires that consumer reports be accurate and reliable.

This also breaches 15 U.S.C. 1681i, which requires that disputed items be investigated and corrected or deleted within 30 days, and 15 U.S.C. 1681g, which grants consumers the right to complete and accurate disclosures of their credit data.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valor Intelligent Processing, LLC
State: TX

Complaint narrative:
This debt doesn't owe not of my acknowledgment due to identity thief in the past.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: WA

Complaint narrative:
I am reporting multiple fraudulent accounts that have been opened and reported under my name without my knowledge or authorization. I have never applied for, owned, or managed these accounts, which leads me to believe I may be a victim of identity theft. This situation is extremely alarming, as it falsely represents my financial history and damages my credibility as a responsible consumer. I take the security of my personal and financial information very seriously, and these unauthorized accounts are a clear violation of that trust.

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 2025-10-29 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: CL Holdings LLC
State: VA

Complaint narrative:
Recently I reviewed my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the Credit Bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify. 
Account Name XXXX XXXX XXXX Account Number XXXX Amount {$3700.00} Date XX/XX/year> This debt has been Charged-Off by the Original creditor, which means, that the debt has been paid and is considered income. Since a Charge-Off is considered Income, it has to be removed. Income can not be reported on credit files

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I received a notice of overdue payment for XXXX bill although I had paid it through my bank by ACH on XX/XX/year> ; I had the copy of the cancelled check which CapitalOne had deposited by mid XXXX. Bill was due late XXXX. I called CapitalOne consumer help line and I was told that the check was deposited in another account ; the other account had the last 4 digits of the account number that were on my ACH check from my bank. I was able to get the help line person to investigate and those 4 digits were from an earlier card which was lost and replaced with a new card and number about 3 years ago. My bank still had the old numbers on file and this clearly caused the difficulty but I paid every month these past 3 years by ACH and never had a problem despite the old numbers on the check. Of course, my name, address, and bank account number were on the check as well. An errror on both parts but CapitalOne stated it could not be corrected. I had to have the bank recall the check which meant CapitalOne labeled it delinquent and asssesed a late fee. I mailed a new personal check for both XXXX and XXXX payments on XX/XX/year>. After several emails noting a missing payment and asking for duplicate payment and after several fruitless phone calls on my part, Capital One finally notified me XX/XX/year> that the payment was received, on the exact payment due date. I had 1 incident many years ago with a payment that also went missing and showed up at CapitalOne only after I did send in a duplicate payment, so I was reluctant to merely make an duplicate electronic payment this time. I contact cfpb with the thought that other consumers may have had similar issues recently. I have paid the bill every month on time and in full for many years but I have lost trust in CapitalOne now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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:
Remve my report and file since I am a victim of identity theft and didnt authrize. Remve my file to mak correctins to 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 2025-10-29 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-10-30 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: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-10-29 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: OH

Complaint narrative:
When reviewing my credit report, I discovered several hard inquiries that I never authorized. These inquiries do not correspond to any applications or credit requests that I made, and I believe they may have resulted from identity theft or misuse of my personal information.

To protect myself and follow the proper legal process, I filed a Police Report ( XXXX XXXX. XXXX ) documenting the unauthorized activity. Under the Fair Credit Reporting Act ( FCRA ), once a valid identity theft report is submitted, the credit bureau is legally required to block and delete any unauthorized information within four ( 4 ) business days. This requirement is clearly established under FCRA Section 605B ( 15 U.S.C. 1681c-2 ). 

Despite providing my police report and full documentation, the unauthorized hard inquiries remain on my credit file. The specific inquiries that were not initiated or approved by me are : XXXX XXXX XX/XX/2024 XXXX XXXX XXXXXX/XX/2024 Each of these inquiries represents access to my private credit data without permissible purpose, violating FCRA Section 604 ( 15 U.S.C. 1681b ). The continued appearance of these inquiries has negatively impacted my credit score and raised serious concerns about the security of my personal information. 

It is both unfair and unlawful that I should suffer credit damage and risk exposure of my non-public personal data due to inquiries that I never authorized or initiated. I have acted responsibly by filing a police report, gathering supporting evidence, and contacting the bureau directly. However, Equifax has failed to take corrective action, and I am now seeking the CFPBs intervention to ensure compliance with federal law and the restoration of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

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 explanation
Consumer complaint received 2025-10-30 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: GA

Complaint narrative:
I am a verified victim of a data breaches and have been subjected to ongoing credit reporting violations by the XXXX XXXX XXXX XXXX XXXX Experian, and XXXX. 

Despite repeated disputes and supporting documentation, my credit reports continue to contain inaccurate, unverifiable, obsolete, and duplicate accounts, including charged-off accounts, collection accounts, and outdated bankruptcy records. These entries are materially damaging my credit reputation and violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair and Accurate Credit Transactions Act ( FACTA ). 

The following items remain improperly reported and unverified across XXXX or more bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( transferred/sold, still reporting ) Bankruptcy Case # XXXX ( Filed XX/XX/XXXX, XXXX XX/XX/XXXX ) obsolete per FCRA 605 ( a ) Each of these items was disputed with the credit bureaus, but instead of verifying through proper documentation or deleting unverifiable entries, they continued reporting false and conflicting information, which violates : FCRA 602 ( A ) : Requirement of maximum possible accuracy FCRA 611 : Reinvestigation duties and consumer dispute rights FCRA 623 : Furnisher responsibility for accuracy FCRA 605 : Time limitations on obsolete information FACTA 312 : Duty to prevent identity theft and misreporting I am requesting CFPB intervention to ensure each credit bureau performs a lawful reinvestigation, provides documentary proof of verification from furnishers, and deletes all unverifiable or obsolete information immediately.

This ongoing failure to investigate and correct false data constitutes willful and negligent noncompliance under FCRA 616617. I am also requesting that the CFPB instruct the bureaus to provide a written confirmation of deletions within 30 days.

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 2025-10-30 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: Open Dealer Exchange, LLC
State: FL

Complaint narrative:
While shopping for a car, I was told by the dealership that checking financing options would not affect my credit. I consented to a single soft check, not multiple hard pulls. 

However, my credit reports now show numerous hard inquiries that I did not authorize or understand due to a language barrier XXXX is my first language, and the dealership never provided Spanish-language paperwork or a full explanation. 

These inquiries were submitted without my explicit written consent and are harming my credit score. I believe this violates the Fair Credit Reporting Act ( 15 U.S.C. 1681b Permissible Purpose ), which requires consumer authorization before a lender or dealer accesses a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/year> Applied for and was approved for the Citi XXXX XXXX XXXX. 
XX/XX/year> My account was blocked, and I was asked to send IRS Form 4506-C . 
XX/XX/year> Sent Form 4506-C to Citi via USPS. 
XX/XX/year> One week after sending the 4506-C, I confirmed that it had been delivered. However, when I called Citi, they said they had not received it. 
XX/XX/year> Refilled and resent Form 4506-C via USPS. 
XX/XX/year> XXXX Citi representative confirmed that the form was received and would be sent to Equifax. 
XX/XX/year> The Citi XXXX XXXX XXXX was unblocked, and I was able to use it without issue. 
XX/XX/year> Without any notice or explanation, my Citi XXXX XXXX XXXX was permanently closed. 
XX/XX/year> I called Citis customer service, but they could not provide any reason for the closure. 

I had planned to use this card during my upcoming trip to XXXX to travel and attend President Trumps XXXX event, but all of my plans were disrupted due to this issue. I have fully complied with Citis requests and maintain a solid credit standing, yet Citis lack of respect and communication toward its customers has caused me significant inconvenience and emotional distress.

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 2025-10-29 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: OH

Complaint narrative:
When reviewing my credit report, I discovered several hard inquiries that I never authorized. These inquiries do not correspond to any applications or credit requests that I made, and I believe they may have resulted from identity theft or misuse of my personal information. 

To protect myself and follow the proper legal process, I filed a Police Report ( Case No. XXXX ) documenting the unauthorized activity. Under the Fair Credit Reporting Act ( FCRA ), once a valid identity-theft report is submitted, the credit bureau is legally required to block and delete any unauthorized information within XXXX ( XXXX ) business days. This requirement is clearly established under FCRA XXXX XXXX ( XXXX U.S.C. XXXX ). 

Despite providing my police report and full documentation, the unauthorized hard inquiries remain on my credit file. The specific inquiries that were not initiated or approved by me are : XXXX XXXX XXXXXXXX XX/XX/year> XXXX XX/XX/year> Each of these inquiries represents access to my private credit data without permissible purpose, violating FCRA Section 604 ( 15 U.S.C. 1681b ). The continued appearance of these inquiries has harmed my credit score and raised serious concerns about the security of my personal information. 

It is unfair that I should suffer damage to my creditworthiness due to inquiries that I never authorized or initiated. I have acted responsibly by filing a police report, gathering proof, and contacting the bureau directly. However, no correction has been made, and I am now seeking the CFPBs intervention to ensure compliance with federal law and restoration of my consumer rights.

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 2025-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Dear PORTFOLIO RECOVERY : I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt.

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : * Original Credit Agreement ( the contract I allegedly signed, if applicable ) * Full Itemized Statement ( showing how the balance was calculated ) * Forward Flow Agreement ( proving debt transfer from original creditor ) * Chain of Title / Assignment Documents ( showing legal transfer of ownership ) * Complete Payment History Records ( verifying payments or delinquencies ) * Validation Notice ( per FDCPA 1692g ) * Notice of Default / Intent to Collect ( as required by law ) * Proof of Statute of Limitations ( confirming debt is legally collectible ) * Credit Reporting Agreement ( authorizing reporting to bureaus ) * Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable.

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA XXXX ( b ). Courts including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX confirm XXXX unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company response to consumer: Closed with non-monetary relief