vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 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: CA

Complaint narrative:
I am writing to file a formal complaint against Selene Finance LP, XXXX XXXX  Loans, and XXXX concerning several unlawful actions related to my mortgage loan. Specifically, I wish to address issues regarding unauthorized interest rate increases, violations of bankruptcy protections, improper handling of my loan modification request, and failure to communicate. Below are the key issues and events, along with my requested resolution. 

Key Issues : Unlawful Interest Rate Adjustments During Bankruptcy : While under bankruptcy protection, XXXX XXXX  Loans unlawfully increased my interest rate twice : From XXXX XXXX to XXXX XXXX, and From XXXX XXXX to XXXX XXXX. 
These increases violated the legal limit of a XXXX XXXX increase per adjustment under bankruptcy protections. 
In XX/XX/XXXX, my attorney challenged these increases, and XXXX XXXX XXXX admitted to the error, restoring the interest rate to XXXX XXXX through XXXX. 
Breach of Agreed Interest Rate Terms : In XX/XX/XXXX, Caliber Home Loans issued a Notice of Mortgage Change, increasing my interest rate to XXXX XXXX, which was reflected in my mortgage statements. 
However, in XX/XX/XXXX, the rate unexpectedly jumped to XXXX XXXX, violating the agreed-upon terms. 
After servicing was transferred to XXXX, they further increased the rate to XXXX XXXX, without providing a proper explanation or justification for this increase. 
Violation of XXXX  XXXX XXXX XXXX Notices : The Notice of Mortgage Change filed in bankruptcy court explicitly stated that no changes would be made to the principal, interest, or mortgage payments. 
Despite this, Selene Finance LP and XXXX implemented unauthorized rate increases, breaching the protections afforded by bankruptcy and undermining the court-approved agreement. 
Failure to Communicate & Obstruction in Loan Modification : Selene Finance LP has repeatedly refused to communicate with me directly, despite my written confirmation that I do not have legal representation for the loan modification. 
They continue to claim that I have legal representation for the loan modification process, causing unnecessary delays and confusion. 
Furthermore, my loan modification requests have been wrongfully denied, citing missing documents, even though I have fully complied with all document requests and deadlines provided by Selene Finance LP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$690.00} UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: NY

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I contacted cash app about money thats wasnt sent by me to other people I have over 50 on my account like it were thay had me logged in to over 14 devices that wasnt promited by me and because I desputing the transactions they closed my account out Ive been on phone with them about it and thay told me thay closed it because I didnt varify I was the account holder but yet when I got the email about it I called and varafied my account now a week later thay closed out my account said I was in violation of there terms and conditions because i desputing over 50 transactions I didnt make were I wasnt getting text or emails of were my money was going I wont to sue them for the money they let leve my account that I didnt authorize however before I do Im submitting this complaint to see were it goes from here if I dont hear back from yall with in 14 days as whell as them Im getting a lawyer to have them bared form there app being used in USA I have this rite as whell as the rite to desput were my money went from any institution if I didnt approve it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: IL

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Against TransUnion Subject : Unauthorized Hard Inquiries on TransUnion Credit Report FCRA Violation Complainant Information : Full Name : XXXX XXXX XXXX Complaint Summary : I am filing this complaint against TransUnion for failing to remove unauthorized hard inquiries from my credit report, despite my formal dispute. These inquiries were not authorized by me, and I suspect fraudulent activity or unauthorized access to my credit profile.

Under FCRA 611, a credit bureau must verify all information on a consumers report within 30 days or remove unverifiable data. Since I did not authorize these inquiries, and TransUnion has not provided proof of my written consent, these inquiries should be deleted immediately. 

Disputed Hard Inquiries : Company Name Inquiry Date ( s ) 1 ) XXXX  XXXX  XXXX  XX/XX/XXXX XXXX ) XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) 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 XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries have damaged my credit score and should not be present on my file. TransUnion is legally required to remove inquiries that can not be verified with my written consent. 

This case requires immediate resolution to prevent further harm to my financial reputation. 

Sincerely, 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 2025-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
Received email stating vehicle is up for repossession Immediately called to discuss payment options to bring account current Asked XXXX To discuss waiving late fees so Im able to pay toward principal. Offered to make XXXX payments XX/XX/year> but wanted options for waiver and bringing account current. Asked repeatedly to speak to XXXX and rep. Refused. Asked for reps. Identification in form of badge/employee number, she refused. 

At this point, vehicle will be wrongfully repossessed when Im able to bring acct Current. Attempted to outline issues with my bank account fraud case and associated freeze however, rep was uninterested in discussing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: UT

Complaint narrative:
I accessed my Cash App account on XXXX, XX/XX/XXXX, XXXX, but I was **never notified of any data breach**. There was no communication from Cash App regarding any potential exposure of my personal or financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: N.A.R., Inc.
State: TX

Complaint narrative:
I am writing to formally dispute an issue with [ Name of Financial Institution ] regarding [ North American Recovery e.g., incorrect credit reporting, unauthorized charges, predatory lending, etc. ]. I have attempted to resolve this matter directly with the company but have not received a satisfactory resolution. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
There has been wrong dates on negative marks on my credit they refus to take off there are things that aren't correct and they refuse to take them

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 2025-02-17 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: KS

Complaint narrative:
In response to CFPB complaint XXXX, and XXXX, Equifax has not provided any physical proof of burden that a collections account from " XXXX XXXX Associates '' is in fact mine. I have tried to call them as well, and they have stated on the phone that they do not have any documentation of proof, and yet refuse to delete this item of my credit report. This is a XXXX of XXXX requests, before a pre-legal notice will be served. Equifax is simply parroting what furnishers claim is correct. This highlights concerns about Equifax 's lack of independent verification of disputed credit information. See relevant cases XXXX v. XXXX XXXX XXXX XXXX XXXX and XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX. The court found these allegations insufficient, highlighting the necessity for credit reporting agencies to conduct independent investigations rather than relying solely on data furnishers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: TX

Complaint narrative:
am disputing multiple inaccuracies on my TransUnion credit report, including a fraudulent account, unverifiable accounts, and unauthorized inquiries. Below are the details : Fraudulent Accounts XXXX. XXXX Reported : XX/XX/XXXX XXXX : {$220.00} ( Closed ) XXXX. XXXX  Reported : XX/XX/XXXX XXXX : {$3100.00} ( Needs Attention ) XXXX. XXXX XXXX Reported : XX/XX/XXXX XXXX : {$0.00} ( Closed ) XXXX. XXXX. XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX Balance : {$18000.00} Issue : This account does not belong to me and was fraudulently opened in my name. Actions Taken : I have never applied for or used this account. I demand immediate deletion under FCRA XXXX ( XXXX U.S.C. XXXX ) unless you can provide an original signed contract with my wet ink signature proving I authorized this account. E-Oscar verification is not acceptable. Unverifiable Accounts These accounts contain inaccurate or unverifiable information and must be removed : XXXX. XXXX Reported : XX/XX/XXXX XXXX : {$220.00} ( Closed ) XXXX. XXXX Reported : XX/XX/XXXX XXXX : {$3100.00} ( Needs Attention ) XXXX. XXXX XXXX Reported : XX/XX/XXXX Balance : {$0.00} ( Closed ) Issue : These accounts contain errors or were inaccurately reported.

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 2025-02-17 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: TX

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX 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 non-monetary relief
Consumer complaint received 2025-02-18 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Experian credit reporting agency, 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. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX {$430.00} XXXX  XXXX BALANCED {$19000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX BALANCED {$2500.00} XXXX XXXX XXXX BALANCED {$530.00} XXXX XXXX  XXXX XXXX BALANCED {$1600.00} This account has resulted in several appearing on my consumer FICO 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 account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: WV

Complaint narrative:
Dealing with cash app and them not even having ppl in the office

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: NY

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

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 2025-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
2019 the {$1.00} was taken from my XXXX account with zelle

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: NC

Complaint narrative:
I paid my mortgage off with XXXX XXXX XXXX and they swear they have reported it as paid in full and closed but all 3 credit bureaus have refused to reflect this information on my credit report. I have called and called and checked my report and still hasn't been updated on my credit report. If someone is going to be given permission to manage and basically give everyone a report card on my credit and loan status 's then they need to be just as prompt as they are to report a collection. It is very unethical to be biased and one sided when it comes to reporting someone's actions on their credit report. There very quick to report a collection or a hard inquiry but are VERY slow if they do at all to report good standings and account playoffs. As we strive very hard to pay our loans off they should work just as hard to keep our reports promptly accurate. In fact, it's kinda unethical for a country that's XXXX dollars in debt with poor credit to give us a credit report but if they are going to do so they need to be prompt, accurate, and more transparent with the consumer. Ethics Code of Conduct and Compliance has been COMPLETELY ignored and Violated in this case. I've also disputed this innaccurate balance information with the bureau 's multiple times with results of defiance. I'm gon na continue to climb the ladder with this until it gets reported accurately on 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 non-monetary relief
Consumer complaint received 2025-02-17 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: CA

Complaint narrative:
Its been incredibly frustrating dealing with the effects of these incorrect accounts on my credit report. My score has been unfairly damaged, and Ive had enough of missing out because of something I didnt do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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:
Its been incredibly frustrating dealing with the effects of these incorrect accounts on my credit report. My score has been unfairly damaged, and Ive had enough of missing out because of something I didnt do.

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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I pay off everything and yet my score keeps dropping. Now I cant buy a house. Score dropped XXXX points overnight after I am during XXXX credit card companies. They keep saying Im not paying my bill. Its in court and the credit reporting agency wont listen to me. I have not been late in anything in XXXX years. The credit agencies Equifax and the other XXXX. But to from my credit XXXX points from XXXX to XXXX should be criminal. I was in the middle of buying a home and the score drop stopped that. They dictate who gets what. If anyone looked at my credits its perfect. Ive had agencies tell me they wish theirs look like mine. They are XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I requested the method of verification from Transunion. All three bureaus advised that the bankruptcy courts verified the information. I received a letter from the bankruptcy courts that they do not verify any information with credit bureaus. If they do not verify information with outside companies this would make the credit bureaus be in violation of FCRA XXXX ( a ) ( XXXX ). By law these companies are required to physically verify information that is out on my credit reports ( Section XXXX ( a ) ( XXXX ) ( a ) ). I sent the letter from the courts advising they do not verify and I still received another letter stating that the information was personal ally verified.

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