vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: FL

Complaint narrative:
II. BACKGROUND & CFPB / STATE / FEDERAL COMPLAINT HISTORY 4. Plaintiff is the borrower on Loan/Account No. XXXX. 
5. Selene is the current servicer of the above-referenced loan.

6. Selene has failed to provide required disclosures and documentation in multiple federal and state complaints, including but not limited to : CFPB Complaint No. XXXX ( XX/XX/year> ) CFPB Complaint No. XXXX ( XX/XX/year> ) Selenes continued failure to provide full and complete documentation as required by RESPA, Regulation X, and applicable federal and state consumer-protection laws.

8. Plaintiff demands that Selene Finance immediately mail all requested documents directly to Plaintiff and simultaneously submit the complete documentation and responses to both the CFPB and the Florida Attorney General, as required for accurate investigation and compliance. 
9. See attached exhibits for further details. A copy of these materials was also sent to Selene XXXX via certified mail, with notarized proof of mailing.

This Complaint was also filed with the Florida Attorney Generals Office Complaint filed with the U.S. Department of Housing and Urban Development ( HUD ) Complaint filed with the Federal Trade Commission ( FTC ) XXXX. These matters remain unresolved due to

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: TX

Complaint narrative:
Kindly check the documents ; the inquiries were unexpected and might not have been approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-11-19 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: FL

Complaint narrative:
This is an inaccurate item. It shows as a late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: SC

Complaint narrative:
I am disputing several accounts on my TransUnion credit report that contain discrepancies or inaccuracies. I respectfully request a full investigation and correction of these records. 

Charged Off Accounts 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 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 XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
After receiving notice from Equifax that my personal information was compromised in a confirmed data breach, I discovered multiple unauthorized and fraudulent accounts appearing on my credit report. I immediately contacted Experian, TransUnion, and Equifax to dispute these accounts and submitted documentation supporting that these debts were not incurred by me. 

Despite my disputes, all three credit bureaus verified the information without providing any supporting documentation from the furnishers. This failure to properly investigate and validate the accuracy of these accounts violates : 15 USC 1681i ( a ) ( 1 ) : Duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) : Duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) : Right to a description of verification procedures 15 USC 1692g and 1692e ( 8 ) : Duty of furnishers to validate debts and not report false information The continued reporting of these fraudulent accounts has caused significant harm, including denials of credit, emotional distress, and financial hardship. Experian, TransUnion, and Equifax have failed to comply with federal law by allowing unverifiable and inaccurate information to remain. 

I respectfully request that the CFPB compel the credit bureaus and furnishers to provide full validation of each disputed account or immediately delete them from my credit reports to restore the integrity of my consumer file. 

Unauthorized Accounts Listed Below : 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

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 2025-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Several late charges were generated due to amounts being placed into Unapplied Funds instead of being immediately credited toward my mortgage payment. 

These internal processing decisions should not result in penalties charged to me, especially when payments were submitted on time and in full. 

Therefore the escrow Confusion Should Not Result in Penalties Some late fees appear to have resulted from temporary escrow-related adjustments or miscalculations that have now been resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
My wallet was stolen from my vehicle. This crime resulted in me becoming a victim of identity theft. Specific details about this crime happening to me have been provided to XXXX XXXX XXXX XXXX in the form of a dispute. Each dispute consisted of : A Cover Letter A Letter of Explanation Federal Trade Commission Identity Theft Report ( s ) Proof of Identity & Proof of Address My disputes were provided to XXXX XXXX XXXX XXXX via certified mail, for which I have proof of each credit reporting agencys receipt. 

Each Letter of Explanation informed that the items listed within the enclosed dispute, which appears on my credit report, do not relate to any transaction that I have made. That they are the result of identity theft, and I requested that each fraudulent disputed item be blocked from my credit report within 4 business days. 

I also requested that the reporting be discontinued of each fraudulent item mentioned to any and all credit reporting agencies immediately. 

Since this dispute was received and processed, I have received nothing except for each credit reporting agencys written response that items would not be blocked, and how their decision not to block the items is because they believe I hired a credit repair company to dispute these items from my credit report, I do not have a credit repair company working on my behalf and that has been documented and explained, or that they believe I am doing this to personally gain or break the law, which is a loaded insult and assumption that if they did their investigations properly, they would see is absolutely not the case here. Each dispute has been submitted directly from me. Its also been explained that the creditor ( S ) have certified that the debt belongs to me, which my reply has been that I certify that the debts absolutely do not belong to me. 

This CFPB Complaint is being submitted in an effort to have my rights established in the Fair Credit Reporting Act, be properly respected, so the fraudulent items established after this unfortunate crime committed against me occurred, be blocked from my credit report, and I can only be held responsible for accounts that actually belong to me, that were established by me, and not an anonymous criminal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: MA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established. 

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-19 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Climb Credit Inc.
State: CA

Complaint narrative:
The XXXX XXXX  is a real estate education platform that I though was updated and new information as I advanced in the online course at 60 % of the program I realized that some of the training videos were from 2018 irrelevant information when it come to real estate. I reached out to the school requesting to cancel my subscription and was denied. At this time the instructor of the program announced he was leaving the school and was transitioning to become a hard money lender. I reached out to the loan servicing Climb credit and they send me back to the school to request the cancelation from them. The school denied my cancelation several times. 
The school recruitment lead me in pressuring me to sign up despite of me telling them my credit score is below XXXX and no hard lender want to lend money to buy a house fix and flip and that I could potentially make thousands of dollars. 
The tactics they show in the videos show a great scenario of the business of buying and selling but the actual reality of today shows a much difficult transaction the homes are way higher in price and the only people making money here are the hard money lenders and contractors. I was pressured into signing up initially a recruiter told me I did not qualify for the loan, I was kind of relief that i was not gon na have that burden of that loan and five minutes later I received a call from the lender telling me I was approved. I felt pressured and did not have enough time to read the contract nor were explain to me as the processor of the loan was on the phone guiding me through the signage. Is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
Unauthorized access to my credit report by multiple companies has directly harmed both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed, yet they remain on my report. This failure to follow through is unacceptable. The continued presence of these potentially fraudulent inquiries is highly alarming and raises serious concerns about identity theft. This unresolved issue is causing ongoing emotional and financial harm.

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 2025-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: TX

Complaint narrative:
U.S. Auto Sales went bankrupt & sold our information and contract to Westlake Portfolio Management. In the contract of the loan, it was said that we would have warranty. When the warranty company was contacted, they said U.S. Auto Sales haven't paid them in years. They also sold me a " Lemon '' cause after a month of having the car the transmission went out. The ending balance left on the car was {$18000.00}, they sold the car for {$2000.00} but still want me to pay the full balance. I've tried disputing it off my credit and it keeps coming back accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my 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 2025-11-19 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: NJ

Complaint narrative:
This is beyond ridiculous! Ive been battling for FOUR MONTHS to get this unauthorized account removed from my credit report, and its STILL there. What exactly is TransUnions excuse? I never gave permission for this account to be reported, and yet here it is, causing more harm every single day. This is a blatant violation of my rights! TransUnion 's failure to take action is not just frustrating its STRESSING ME OUT. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( 2 ) makes it clear that no one can report anything on my credit without my consent. And according to 15 U.S.C. 1681e ( b ), theyre obligated to ensure the accuracy of the information they report. This account is NOT authorized, and the fact that it continues to appear on my report is nothing short of a nightmare. Ive done everything Im supposed to do. Ive filed complaints with the FTC, the Pennsylvania Attorney General, the XXXX, and the OCC, yet TransUnion has chosen to ignore all of it. Enough is enough. I am DONE waiting for TransUnion to act. Its time for the CFPB to step in and actually do something to force TransUnion to remove this account NOW. This isnt just a minor inconvenience this is an outright violation of my rights, and Im not sitting back any longer. Heres the account thats still on my report : Account Name : XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/2019. I am DEMANDING that TransUnion delete this unauthorized account IMMEDIATELY, and I expect the CFPB to take action and make sure they do. No more excuses. No more waiting. Its time for this account to be gone for good.

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 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I am filing a complaint regarding the significant and unexplained increase to the Annual Percentage Rate ( APR ) on my Chase Freedom credit card following the expiration of my Service Members Civil Relief Act ( SCRA ) protections. My APR increased from the SCRA rate of 4 % to 22.7 %, even though my original pre-SCRA APR was 18.7 %. I maintain an excellent credit score ( close to XXXX ), have nearly 20 years of on-time payment history with Chase, and have managed this specific credit card responsibly for more than a decade. 

Details of the Issue : Chase representatives informed me that after SCRA protections ended ( following my honorable XXXX ), my account was treated as new and therefore excluded from the regular 6-month review process for APR reductions. This resulted in none of my long-term account history, excellent credit rating, or previous APR being considered. This effectively erased almost two decades of responsible credit use and loyalty. 

When I contacted Chase to request clarification or an APR review, I was repeatedly told that no exceptions could be made, that no supervisor could assist further, and that my account could not be reevaluated. I was not offered alternative solutions, nor did customer service acknowledge my longstanding customer history or my status as a XXXX veteran. 

Impact : This unexplained APR increase has placed unnecessary financial strain on me and raises serious concerns about how Chase treats long-term customers and XXXX military veterans after SCRA protections end.

Company response to consumer: Closed with non-monetary relief