vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Date of Birth : XX/XX/XXXX Last 4 Digits of XXXX : XXXX Date : XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX Subject : Request for Deletion of Fraudulent Information Resulting from Data Breach Dear TransUnion, I am writing to formally dispute and request the immediate removal of all fraudulent and inaccurate information appearing on my credit report that resulted from the TransUnion data breach. I was a victim of this breach, and my personal information was compromised and used without my consent. 
Under the Fair Credit Reporting Act ( FCRA ) 605B, I am exercising my rights to have all information that is the result of identity theft or unauthorized use blocked and removed from my credit file. The fraudulent accounts, inquiries, or personal data that appeared after the breach are not mine, and I never authorized any such activity. 
Please conduct an investigation and permanently delete all fraudulent and inaccurate items from my report. I request written confirmation once these deletions are complete. 
Enclosed are copies of my government-issued ID, proof of address, and any supporting documentation you may require to verify my identity and process this request. 
Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide a written statement of the actions taken to correct my credit file. 
Sincerely, 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 2025-10-29 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: Oquirrh Mountain Law Group, P.C.
State: TX

Complaint narrative:
Went through Lexington Law for almost a year and no change had ever taken place during entire duration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BSI Financial Holdings, Inc.
State: GA

Complaint narrative:
BSI Financial Services is attempting to collect and service a mortgage loan on my property without providing proof of ownership or a recorded Security Deed assignment as required under Georgia law. 
Despite multiple written and certified requests for verification, BSI has failed to produce the recorded Security Deed or chain of title showing a lawful transfer into its name. The company continues to contact me for payment and claims to be the loan servicer even though its own documentation shows no valid assignment of record and a defective transfer from XXXX XXXX. 
Detailed Background 1. Servicing Transfer without Proof of Ownership : BSIs own letter dated XX/XX/year>, and its internal Loan Information Sheet show that it began servicing my loan effective XX/XX/year>. The transaction entry is labeled A

dministrative Adjustment, which indicates an internal account setup rather than a legitimate recorded transfer. 2. Ina
ctive MERS Registration : The MERS Milestone Report provided by BSI confirms that the loans MERS Mortgage Identification Number ( MIN ) was registered to XXXX XXXX XXXX XXXX XXXX XXXX which was listed as inactive when it allegedly transferred the loan to BSI. Under MERS rules, an inactive member can not assign, transfer, or act as nominee for a security deed. 
3. No Recorded Assignment in XXXX XXXX : The XXXX XXXX land records show no assignment from XXXX XXXX or XXXXXXXX XXXX to XXXX XXXX, nor from XXXX XXXX to BSI Financial Services. Under O.C.G.A. 44-14-162 ( b ), Georgia law requires that 'the security instrument or assignment thereof conveying the power of sale must be filed for record before the sale. ' Because no such assignment exists, BSI lacks standing to collect or foreclose on the loan.

4. Break in the Chain of Title : The last recorded Security Deed lists earlier lenders ( XXXX  there is no valid, recorded chain of title connecting those entities to BSI. This creates a defective and unrecorded transfer that violates Georgias recording statutes. 
Why This Is Concerning BSIs continued collection attempts without providing the recorded Security Deed or proof of assignment create confusion over who actually owns my mortgage. Their actions appear to misrepresent servicing authority and disregard Georgias requirement that assignments properly recorded

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, anXXXX XXXX XXXX XXXXXX/XX/year>, I initiated disputes with Experian and Equifax, seeking the blocking of adverse information on my credit report pursuant to 15 U.S.C. 1681c-2 ( Section 605C of the Fair Credit Reporting Act ). The basis for this request is my documented status as a victim of human trafficking, substantiated by certified court documentation of expungement directly related to said status. Supporting documentation provided included a copy of my driver 's license, a utility bill, and specific account identification. Experian and Equifax declined to block the identified adverse information as statutorily required, asserting that the provided documents failed to meet their requirements for a victim determination letter and advising me to engage with a non-governmental organization ( NGO ). Furthermore, Experian and Equifax failed to provide notification of their determination to me at the designated preferred point of contact, potentially violating their obligations under the FCRA.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing the accuracy and completeness of certain items appearing on my consumer report. Under the Fair Credit Reporting Act ( FCRA ) 609 and 611, please reinvestigate the items identified below and remove any information that is inaccurate, incomplete, obsolete, or can not be verified.

Additionally, please correct my identifying information. My legal and official name is XXXX XXXX XXXX, as shown on my government issued identification. Remove these 2 tradelines, and inquiries, or personal data reported under any other name variations. Any accounts non matching my name variations are inaccurate and unverifiable and must be deleted in accordance with FCRA 611 ( a ) ( 5 ) and 605. 
Disputed Accounts : XXXX XXXX Acct XXXX XXXXXXXX : Reported as a charge-off. Please verify the complete chain of title, account ownership, the date of last payment, and balance computation with documentation from the original creditor. If the information can not be fully verified, delete this account. 
XXXX XXXX Acct XXXX XXXXXXXX : Reported as a charge-off from 2019. This is obsolete under FCRA 605 ( a ) ( 4 ) ( sevenyear reporting limit ) and must be removed

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: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing the accuracy and completeness of certain items appearing on my consumer report. Under the Fair Credit Reporting Act ( FCRA ) 609 and 611, please reinvestigate the items identified below and remove any information that is inaccurate, incomplete, obsolete, or can not be verified.

Additionally, please correct my identifying information. My legal and official name is XXXX XXXX XXXX, as shown on my government issued identification. Remove these 2 tradelines, and inquiries, or personal data reported under any other name variations. Any accounts non matching my name variations are inaccurate and unverifiable and must be deleted in accordance with FCRA 611 ( a ) ( 5 ) and 605. 
Disputed Accounts : XXXX XXXX Acct XXXX XXXXXXXX : Reported as a charge-off. Please verify the complete chain of title, account ownership, the date of last payment, and balance computation with documentation from the original creditor. If the information can not be fully verified, delete this account. 
XXXX XXXX Acct XXXX XXXXXXXX : Reported as a charge-off from 2019. This is obsolete under FCRA 605 ( a ) ( 4 ) ( sevenyear reporting limit ) and must be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC.
State: CO

Complaint narrative:
Hello! 

On XX/XX/year> Robinhood closed my account. They liquidated all the stocks in my brokerage without giving me the opportunity to transfer the stock out. Additionally, they have liquidated my IRA positions and removed {$4600.00} from my balance. And, they are demanding I deposit {$6900.00} in my brokerage in order to release the funds in my IRA. However, I have no method for depositing into my brokerage because my account is closed. The two charges were associated with a welcome bonus I received when I transferred in the funds. Robinhood is saying because they closed my account they can clawback the bonuses but are not giving me any option to payback the {$6900.00} and get my IRA released.

The terms of service ( attached ) state The provision of the Match may be delayed for any reason. In the event that Robinhood determines in its sole discretion that there may have been fraudulent activity or a violation of these Terms in connection with the Match, Robinhood reserves the right to either decline to grant the Match, or to rescind or liquidate the Match, or any security or any related dollar proceeds derived from the Match. While the Match will be credited to the customers Robinhood IRA within approximately two weeks after the customer has fulfilled the conditions of the Offer, though this timeline may be delayed in Robinhoods sole discretion if, for example, Robinhood determines that there are indications of fraud or a violation of these Terms. 
I did not violate the terms of the service of the match. Robinhood is claiming I violated a separate term of service unrelated to the match. I had been meeting all requirements for the match until my account was shut down.

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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I assert that the false late payment entries on my accounts violate the provisions of 15 USC 1666. My payments have always been made on time, and any errors in this reporting are both improper and unlawful.

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 — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: CA

Complaint narrative:
I am reporting XXXX XXXX XXXX  for continued contact after a formal request to cease communication. The debt being pursued is not mine ; the original bill from XXXX XXXX is an error because XXXX XXXX accidentally attributed the billing account to me, as I share a name and birthdate with another individual. 

* Original Creditor Confirmation : I spoke with the original creditor, XXXX XXXX, on XX/XX/year>, and they confirmed the debt was misattributed. They followed up with a letter dated XX/XX/year> confirming this error, and I returned the bills and collection notice to them per their request. 
* Action Taken ( Cease & Dispute ) : I sent a formal notice to the collection agency on XX/XX/year>. This letter was delivered on XX/XX/year>, and it formally disputed the debt while requesting they cease all further communication with me and my spouse. 
* Continued Contact : Despite receiving my written request, the agency resumed communication by calling me repeatedly starting on XX/XX/year>. 
* On XX/XX/year>, the agency contacted my spouse, which constitutes communication following a written request to cease. 

The agency has acted without providing the requested debt validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/year> i suppose to receive a direct deposit for my my taxes and never receive it so the IRS is investigating the matter with chase bank and they havent responded to the IRS so on that date XX/XX/year> i suppose to receive {$4200.00} to my bank account but they havent replied back to me and the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: CO

Complaint narrative:
On XX/XX/year>, a transaction for {$33.00} was charged by XXXX for merchandise that was never delivered. The merchant canceled the order on their end and did not provide any goods or services. 

I filed a dispute with PNC Bank on XX/XX/year> ( XXXX XXXX. XXXX ), and promptly submitted screenshots proving the order was canceled and remained undelivered. Despite this evidence, PNC closed the dispute and stated that no error occurred. 

This conclusion is incorrect. I paid for merchandise that I did not receive. Under federal consumer protection laws and XXXX policies for merchandise not received, I should not be held responsible for this charge. PNC failed to properly investigate my claim and did not apply the required consumer protections. 

I am requesting that PNC Bank reopen the dispute and issue a credit for the {$33.00} that was paid for goods I never received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC
State: MA

Complaint narrative:
Summary of Issues with Selene Finance XXXX XXXX XXXX XXXX multiple loan modification applications submitted to Selene Finance, we have experienced repeated negligence, bad faith, and statutory violations in connection with their mortgage servicing and loss mitigation practices. 
These actions constitute violations of Massachusetts General Laws Chapter 93A ( Consumer Protection Act ), Chapter 244 35B ( Right to Modification / Foreclosure Prevention Framework ), and federal Regulation X, 12 C.F.R. 1024 ( CFPB Mortgage Servicing Rules ). 

Specifically, Selene Finance has engaged in the following conduct : Excessive Delay in Decision-Making Selene XXXX took approximately XXXX  days or longer to issue a decision on our most recent modification applicationwell beyond the XXXX window required under 12 C.F.R. 1024.41 ( c ). This delay obstructed our right to timely review and consideration. 

Improper Denial of Loan Modification Applications have been denied for alleged incompleteness, despite full documentation being submitted. Selene falsely claimed a missing signature on a Profit & Loss statement ( which was unnecessary, as the business owners signature was already included ) and denied the application rather than requesting clarification or correction as required by Regulation X 1024.41 ( b ) ( 2 ).

Failure to Provide Specific Notice of Deficiencies Selene failed to identify or notify us of any missing information prior to denial, violating the notice requirements for incomplete applications under both M.G.L. c.244 35B and 12 C.F.R. 1024.41 ( b ). 

Provision of False or Nonfunctional Employee Contact Information Selene provided fake or unreachable loss mitigation contact details, obstructing communication, delaying resolution, and violating good-faith servicing obligations under 93A 2 ( a ) and CFPB servicing guidelines.

Dual Tracking and Foreclosure Activity During Active Review While our modification applications were pending and under active review, Selene Finance initiated or continued foreclosure activity ( dual tracking ), in direct violation of Regulation X 1024.41 ( g ) and the Massachusetts foreclosure prevention statute, M.G.L. c.244 35B.

Denial of Access to Online Account Information Selene Finance has refused to grant us access to our online loan account portal, preventing us from monitoring our loan status, payments, and documentation. This represents both a failure of reasonable servicing practices and a violation of 93As prohibition against unfair or deceptive acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Hodosh, Lyon & Hammer, PC
State: RI

Complaint narrative:
I received a letter from Hodosh, Lyon & Hammer XXXX XXXX the letter states that I have to pay an amount of XXXX for a debt of 20 years ago. the threatened to garnishee my earnings because they did not receive an answer for objection, but, on XX/XX/XXXX at XXXXXXXX XXXX I went to the post office and sent the letter. they refused to use the letter in court. now, they sent me another one stating that I have the right to object before XX/XX/year> but they did not send me the objection form leaving no choice but to be garnished. I have contacted them, I have tried to resolve the matter, however they have been disrespectful, and they do not want to work with me. something that needs to be investigated is how they keep charging people even after the loan is paid off. the review with proof is everywhere. they lied, they exercise abuse of power and I need help. I want to go into a payment plan. by XXXX XXXX XXXX I have the right to go into one before and after and they have refused all of my options.

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: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I previously filed a complaint with the CFPB against all three major credit reporting agencies regarding false and inaccurate information on my consumer report. Both XXXX  and XXXX  complied with the CFPBs directives, removed the inaccurate information, and corrected my credit score. 

Experian, however, blatantly refused to comply with the same complaint and continues to report false and negative information despite having the same documentation and proof. I have dated screenshots and reports from all three agencies showing Experian still lists incorrect negative data and a credit score more than XXXX points lower than XXXX  and XXXX.

This is a clear, willful violation of the Fair Credit Reporting Act under 15 U.S.C. 1681e ( b ) ( failure to assure accuracy ), 1681i ( failure to reinvestigate disputes ), and 1681b ( f ) ( unauthorized use/disclosure ). These actions have caused ongoing financial harm I am unable to obtain credit, as applications are instantly denied due to Experians false reporting. 

I'm also seeking punitive damages as well due to Experian 's blatant disregard for the law and lack of company ethics and morals. I will be filing the documents immediately after this complaint.

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 — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CO

Complaint narrative:
I got a fraud alert from chime, that said that I had a alert for XXXX at XXXX XXXX, we dont even have a XXXX XXXX in colorado XXXX texted back no I didnt authorize it then came a text message that said chime was going to close my accout so they can investigate and that I would receive a check for the balance of my account in XXXX, so I called and they said I was talking to chimes fraud department he said that I called in time that he stopped my account from being closed but that he couldn't stop the check, then the fraud alert came about the food lion transaction and that they blocked the transaction and that no money was taken out of XXXX account and then I looked and all my money was gone. So I called chime and asked what was going on and that I wanted my money back cause they texted me that the transaction was blocked and now they are telling it went through and I needed to file a dispute. WHAT they allowed a transaction I DONOT authorize. I have all the texts sent by chime, I just want my money back. This is wrong PLEASE HELP ME.

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 information incorrect
Company: Mobiloans, LLC
State: CA

Complaint narrative:
I requested this company to remove the incorrect information reported on my credit report. They claimed that they gave me a line of credit. But they are an online payday loan company with high interest rate. They removed the report once before. Now they reported again on my credit report as a line of credit again and charge off and late on my payment.

Company response to consumer: Untimely response