vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 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: SC

Complaint narrative:
We have been dealing with Selene Mortgage since XX/XX/XXXX. My mother in law passed in XX/XX/XXXX. Her mortgage was through XXXX at that time. The house is in probate and supposed to go to my husband when it's all over. XXXX sold the loan to Selene Finance after her passing. We communicated with both company 's trying to pay the mortgage even after she passed. Selene would not let us even send a payment or communicate with us at all. We filled out all the forms to and sent in death certificates, probate papers, IDs etc.... With nothing changing. Everytime we talk to them we get a different answer. XX/XX/XXXX we started a remodication loan after we finally got an answer on how to get things started for us to get the stuff started to pay the payments. XX/XX/XXXX we received a letter saying that Selene is gon na forclose on the home. Went to the meeting about the XXXX XX/XX/XXXX with a XXXX. He said he wasn't signing it for them to try to forclose on XX/XX/XXXX. Told us to keep trying to push the remodication loan. So again kept trying to communicate. Kept spending in the same information and even more forms again. XX/XX/XXXX sent in what they asked. Was told in XX/XX/XXXX that we turnt everything in after calling them again and that they would pause the forcloser and look over the forms and information. Called back XX/XX/XXXX and told that we had to fill out another form. Got that turnt in XX/XX/XXXX. Talk to them and was told that we were a day late now and would probably have to fill out everything all over again. Was also told that we were XXXX months behind but my mother in law has only been passed XXXX  months. We were told back in XXXX that it would take XXXX days to complete everything and we would be good but obviously it hasn't been. We were told XX/XX/XXXX that they haven't even looked over or reviewed the emails and forms from XX/XX/XXXX. Also was told on XX/XX/XXXX to give it XXXX hours for them to get the emails and they would start reviewing the newer forms just sent. Called XX/XX/XXXX to yet more excuses and then not doing their jobs. The letter sent in XXXX says we have till XX/XX/XXXX. I feel like they are purposely dragging their feet to cause the forecloser. We want the house. It's the only thing my husband has left of his parents. We want to pay the mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: Experian Information Solutions Inc.
State: NY

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 explanation
Consumer complaint received 2025-04-16 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: FL

Complaint narrative:
Subject : Formal Dispute of Inaccurate Information and Violation of Consumer Rights Under FCRA Dear Equifax, I am writing to formally dispute the accuracy and legality of two tradelines currently being reported on my credit report. These accounts appear to be in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and potentially the Fair Debt Collection Practices Act ( FDCPA ). 

Disputed Account # XXXX : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$3200.00} Disputed Account # XXXX : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$0.00} I believe these items are being inaccurately reported or have not been properly verified as required by federal law. I am formally requesting : An immediate investigation into the reporting and legal standing of these accounts. 

Removal or correction of any inaccurate, incomplete, or unverifiable information.

A copy of the results of your investigation, as required under Section 611 of the FCRA. 

The name, address, and contact information of the furnishers of each item. 

If either of these accounts involves third-party debt reporting or collection activity, I also invoke my rights under FDCPA 809 ( 15 U.S.C. 1692g ) and request full validation of the alleged debt ( s ), including signed agreements, billing history, and chain of assignment. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: MA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: AZ

Complaint narrative:
I am writing to formally dispute one or more unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity.

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 2025-04-16 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: NY

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX * * * * Balance {$0.00}

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 2025-04-16 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: FL

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed 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 2025-04-16 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: VA

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 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 2025-04-16 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:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these account before i seek litigation for defamation of character ) XXXX XXXX BALANCE {$300.00}, XXXX XXXX {$1100.00}, XXXX XXXX XXXX XXXX balance {$3200.00}, XXXX XXXX XXXX Balance {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: TX

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these account before i seek litigation for defamation of character ) XXXX XXXX BALANCE {$300.00}, XXXX XXXX {$1100.00}, XXXX XXXX XXXX XXXX balance {$3200.00}, XXXX XXXX XXXX Balance {$0.00}.

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 2025-04-16 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: TN

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B, 15 U.S.C . 1681c-2 that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this compliant. This fraudulent, inaccurate, and false information consists of a personal credit card account opered at XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICC credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud, I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian failed to investigate a legitimate credit report dispute I submitted, claiming it was not sent or authorized by me which is false and unsupported. They are refusing to reinvestigate clear inaccuracies on my report. 

On XX/XX/year>, I submitted a formal dispute to Experian regarding several inaccurate or unverifiable accounts, including collections, charge-offs, and an unauthorized inquiry. My dispute included all required personal information, a detailed breakdown of the accounts being disputed, supporting documentation, and a clear request for validation or deletion under the Fair Credit Reporting Act ( FCRA ). I also requested corrections to inaccurate personal information.

Experian responded by claiming my request does not appear to have been sent directly by [ me ] or to be authorized by [ me ], and refused to investigate. This response is baseless. I submitted the dispute personally and provided full identification and supporting documentation. Experian is using this excuse to avoid fulfilling their legal obligation to conduct a reinvestigation under FCRA 611.

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 2025-04-16 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: TX

Complaint narrative:
XXXX XXXX Unfortunately, I have identified several in accuracies on my credit report and subsequently reached out to the credit reporting agencies to address these issues. However, the credit reporting agencies have not adhered to federal trade commission regulations and have failed to correct these discrepancies. Unfortunately, I have found several inaccuracies and unauthorized inquiries on my consumer report and would lithe accounts updated effective immediately. Personal information. only the name. XXXX XXXX XXXX should be present on my consumer report I would like all of the following names removed. 


XXXX XXXX XXXX Only the address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Should be present on my consumer report. This address is correct. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses .. the following addresses must be removed 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 addresses must be removed immediately In the I would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. XXXX XXXX XXXX XXXX XXXXXXXX this information must be removed from my credit report because it is incorrect. these institutions. I do not know where this information came from. Please remove this incorrect information 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 2025-04-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson capital requested original wet signed agreement not provided because they dont have the original contract amount {$3200.00} no original copy no contact just threats from collectors

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-04-16 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:
From my results of your reinvestigation ( s ), it is not satisfactory nor meeting FCRA 's requirement of 15 U.S.C. 1681 et seq. You have an obligation that requires you to follow reasonable procedures to assure maximum possible accuracy of the data that were furnished on my consumer report. 

I find it is disappointing that there are still inaccuracies being reported and updated incorrectly. You seem to not understand how imperative this is because you have not solved this issue for me.These errors are hurting my ability to secure new, better employment opportunities, securing a steady, stable financial standing, and new place to call home. 

The late payments on several accounts that were previously disputed are NOT accurate and I asked you to update these late payments to PAID ON TIME, NEVER LATE. Also, there were improper reinsertions that were placed back on my reports without certification of accuracy nor proper and prompt notice of reinsertion before placing the previously deleted negative accounts back on my reports. 

I am now requesting proof of the previous investigation. Im asking that you send your method of verification from previous investigation which are as follow : The furnishers ' certification of accuracy to prove legal grounds for updated information. 

Written notices of reinsertion to confirm being properly notified in timely manner before reinsertion. 

Details of how each disputed accounts and personal information listed were verified along with all records of who you gather information from, spoke with, business address, name, and phone number as well as statement/documentation proving that listed accounts late payments were actually late. 

If you can not provide requested information within 15 days, update the late payments to PAID/NEVER LATE and also PERMANENTLY DELETE AND BLOCK the improperly reinserted accounts and outdated personal information listed on the individual letter that are attached. Please promptly mail me all correspondence including the corrected, updated credit report within 15 days of this notice/letter. 

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 explanation
Consumer complaint received 2025-04-16 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:
have reviewed my credit profile and noticed inquiries/ or collection that i have given written Instruction to 3rd to report to my file. According to The FCRA this is in violation of 15 USC 1681b -PERMISSIBLE PURPOSE. Please understand that no consent is IDENTITY THEFT. 
LIST ACCOUNTS : XXXXXXXX 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