vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Selene Holdings LLC
State: WI

Complaint narrative:
I am filing this formal complaint against Selene Finance, the mortgage servicer for my home loan, due to a significant miscalculation in the escrow portion of my monthly mortgage payment. 

Summary of the Issue : Selene Finance has calculated my monthly escrow payment at {$710.00}, which they claim covers my property taxes and homeowners insurance. However, based on verified tax and insurance records, this amount appears substantially overstated. 

Property Tax History : XXXX : {$4000.00} XXXX : {$4400.00} ( + {$380.00} ) XXXX : {$4200.00} ( {$200.00} ) XXXX : {$4600.00} ( + {$380.00} ) XXXX : {$4600.00} ( + {$16.00} ) The XXXX average for my annual property tax is {$4300.00}, or approximately XXXX  XXXX. 

XXXX XXXX : My annual premium is {$1200.00}, which equals approximately $ XXXX. 

Total Actual Escrow Amount : The correct estimated monthly escrow payment should be : {$360.00} ( taxes ) + {$100.00} ( insurance ) = $ XXXX XXXX Finances XXXX XXXX amount of $ XXXX exceeds this by approximately $ XXXX, without any clear or justified explanation. 

Principal & Interest : Selene Finance has stated that my principal and interest ( P & I ) payment is $ XXXX. Given the inaccuracies in the escrow portion, I now have legitimate concerns that the XXXX & I portion XXXX also have been miscalculated or inflated.

Payment Shock & Financial Impact : Selene Finance has raised my total monthly payment to {$1600.00}, citing affordabilityyet this amount includes questionable charges, legal fees, and inflated escrow. They also denied me access to a forbearance or repayment plan, claiming my income is insufficientwhile simultaneously stating that a {$1600.00} monthly payment is affordable. 

Request : I am requesting the following : A full, itemized breakdown of my monthly mortgage payment, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX fees, penalties, or escrow cushion A written explanation of how Selene Finance calculated the XXXX  XXXX escrow requirement. 

An immediate correction and adjustment of my mortgage payment if miscalculations are confirmed. 

Clarification on why I was denied forbearance or repayment options under current hardship circumstances. 

Conclusion : The financial and emotional strain caused by these miscalculations is significant. I am asking CFPB to investigate XXXX XXXX practices regarding escrow handling, repayment plan denials, and overall mortgage servicing accuracy. 

Thank you for your attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: NC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 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 explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Red River Credit Corporation
State: OK

Complaint narrative:
XXXX XXXX XXXX in XXXX Oklahoma where I had gotten a loan just before XXXX. Once the country had a mandatory shutdown they refused to take partial payments and said Oklahoma didnt shut down and closed and charged off my account. Now they are continuing to report on my credit monthly payments as late even though they closed my account and charged it off. This company refused to follow the Cares Act and violates FCRA regulations. They have also charged the account off but never sent me proper documentation such as XXXX forms and continuous reporting of late payments monthly.

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 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I received an insurance check from my insurance company, XXXX XXXX. This check was from an insurance claim and I need the funds in order to fix my house. The check was endorsed to myself and my mortgage company ( XXXX ). I took it to the local branch of my bank on XXXX XXXX XXXX. The teller deposited it even though it only had my endorsement on it. This check was fraudulently and illegally deposited by Huntington. It was not correctly endorsed. Huntington has been holding these funds since that day. My mortgage company has stated that they will not fill out the endorsement release form from Huntington. They said that they need to have a legal copy of the check or a letter from Huntington stating refusal to provide the legal copy. The branch that illegally deposited the check has refused to provide me with a legal copy of the check or the letter stating refusal. The following dates and times I spoke with XXXX at the local branch on her direct line of XXXX or in person : XXXX XXXX XXXX  minute incoming call XXXX XXXX XXXX minute outgoing call XXXX XXXX XXXX  second outgoing voicemail left XXXX XXXX XXXX second outgoing voicemail left XXXX XXXX XXXX minute incoming call XXXX XXXX XXXX second outgoing voicemail left XXXX XXXX XXXX minute incoming call XXXX approximately XXXX spoke to XXXX in person and received endorsement form ( my mortgage company, XXXX has stated they can not fill this endorsement form out, they need a legal copy of the check ) XXXX XXXX  spoke to XXXX in person and received a general copy of the check. ( She stated she doesnt know what a legal copy of a check is. My mortgage company confirmed what she gave me is not a legal copy and can not be accepted ) XXXX  approximately XXXX  spoke in person with XXXX ( manager of branch ) he stated that he can not give me a legal copy of the check or a letter stating refusal to provide check. He said I can have XXXX XXXX XXXX  send a hold harmless letter to Huntington.

This situation is out of hand. Huntington fraudulently and illegally deposited this check and are holding the funds. They will not return the money to my insurance company and they will not provide me with what my mortgage company needs in order to have the funds endorsed and released. My insurance adjuster is having a very difficult time getting a hold of the financial end to have a hold harmless letter sent to Huntington. This was huntingtons error and not a small error. The fact that they wont do what they need to do to rectify the situation is really inappropriate. 

XXXX XXXX  I spoke with customer service at XXXX for XXXX minutes. They stated theres nothing they can do and they need a hold harmless letter from my insurance companies bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: CBC Companies, Inc.
State: CA

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: Upstart Holdings, Inc.
State: CO

Complaint narrative:
Upstart has committed yet ANOTHER act of retaliation as of XX/XX/year>. That was the day my EXPERIAN dispute was marked complete, and on that same day, they updated my credit report to show the account as XXXX  days late for XXXX even though XXXX wasnt even over and the payment wasnt due until XX/XX/XXXX. According to their own communications, the account wasnt scheduled to charge off until XX/XX/XXXX. That means this XXXX late mark was reported before the due date, before charge-off, and before it was legally eligible to be marked 30 days past due. If anything, a XXXX late mark wouldnt even be valid until XXXX. The timing makes it clear this was done in direct retaliation for my dispute. This is not the first time theyve done this, and it continues a pattern of abusive and inaccurate reporting following disputes. Equifax has already removed the trade line, due to Upstarts inaccurate reporting and retaliation but Experian and TransUnion have not. 

TransUnion had previously removed all the late marks from this account due to Upstarts wrongful reporting, but they later reinserted the negative marks without providing me any notice, which is a violation of FCRA reinsertion requirements. I am including Upstart, TransUnion, and Experian in this complaint because all parties have contributed to the continued harm caused by this inaccurate and retaliatory reporting. 

Experian wrongfully verified this inaccurate information despite clear evidence that the account was not late as of the reported date. Their failure to properly investigate and instead rubber-stamp Upstarts retaliation is completely unacceptable and violates their duties under the FCRA. 

Upstart originally reported both XXXX and XX/XX/year> as late to TransUnion, but after I submitted a dispute, those late marks were removed without any notice now showing as blank/gray. This confirms they knew the reporting was invalid, yet instead of permanently fixing it, they are manipulating the data and could reinsert the lates again without following FCRA reinsertion notice rules under 1681i ( a ) ( 5 ) ( B ). Upstart needs to be held accountable and disciplined for this ongoing pattern of retaliatory and deceptive reporting behavior. Their actions are not just negligent they are abusive, deliberate, and in clear violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
I am writing to formally dispute an unauthorized hard inquiry on my credit report. According to my records and review of my credit report, I noticed a hard inquiry that I did not authorize.

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 2025-07-31 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: IL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 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 XXXXXX/XX/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 2025-07-31 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 2025-07-31 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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: LEXISNEXIS
State: CO

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: IL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/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 2025-07-31 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I froze my credit through Experian a couple years ago. I recently tried to unblock it, and can not. I have misplaced my password, and the phone I used to have I don't have anymore. They keep trying to send me a new password to the old phone number, which I can't access. I can't talk to a human being to resolve this. I did what they said and sent all kinds of proof, in writing, to Experian XXXX XXXX, XXXX XXXX XXXX TX XXXX a couple of months ago. Silence. I now need to access my credit and can not. Can you help?

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 2025-07-31 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: GA

Complaint narrative:
I recently looked at my credit report and found multiple Inquiries that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5500.00} XXXXXXXX XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$680.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} XXXX  - Account Number : 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, Date Opened : XX/XX/XXXX, Balance : {$17.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief