vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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: TX

Complaint narrative:
I filed a police report and identity theft report as told do so by XXXX of the bureaus. I submitted them along with my ID, proof of address and a letter to each bureau. In my letter I documented correct personal information such as my address as well. 
Transunion sent an email a week later stating they needed my proof of address so I resubmitted it online with an agent who said theirs all they needed walked me through it. After another week they said they couldnt add a fraud alert or complete my investigation because they were missing my identity theft report and police report. I messaged with them through a chat feature and they said I need to resubmit everything for a new investigation. Equifax has not responded and Experian also claim by email they have not received my ID. I am still getting inquiries and seeing collection accounts show up on my credit report. I am extremely upset that they continue to allow any and everyone to place things on someones report without proof of ownership. 
The police report I submitted outlines with proof that someone has stolen my ID, XXXX as well as my birth certificate. The fact that the bureaus can ignore this with XXXX consequences is alarming!! I dont know how they benefit from erroneous reporting but its clear they do or they just dont care.

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 2025-07-11 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: TX

Complaint narrative:
I filed a police report and identity theft report as told do so by XXXX of the bureaus. I submitted them along with my ID, proof of address and a letter to each bureau. In my letter I documented correct personal information such as my address as well. 
Transunion sent an email a week later stating they needed my proof of address so I resubmitted it online with an agent who said theirs all they needed walked me through it. After another week they said they couldnt add a fraud alert or complete my investigation because they were missing my identity theft report and police report. I messaged with them through a chat feature and they said I need to resubmit everything for a new investigation. Equifax has not responded and Experian also claim by email they have not received my ID. I am still getting inquiries and seeing collection accounts show up on my credit report. I am extremely upset that they continue to allow any and everyone to place things on someones report without proof of ownership. 
The police report I submitted outlines with proof that someone has stolen my ID, XXXX as well as my birth certificate. The fact that the bureaus can ignore this with XXXX consequences is alarming!! I dont know how they benefit from erroneous reporting but its clear they do or they just dont care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: TX

Complaint narrative:
I am writing to dispute a fraudulent hard inquiry on my credit report. I did not authorize any such inquiry, and I believe this may be indicative of potential identity theft or unauthorized 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 explanation
Consumer complaint received 2025-07-11 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 am writing to dispute a late payment listed on my credit report, which I believe has been reported in error. I have reviewed my payment history, and all relevant records indicate that the payment in question was made on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: AL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: DISCOVER BANK
State: AZ

Complaint narrative:
On XX/XX/year>, I had the Discover Bank clerk over the phone make up an XXXX XXXX XXXX of {$15000.00} to be sent to XXXX XXXX in XXXX, NJ by XXXX with a tracking number which is in the documents I provided. I told the clerk it was XXXX, NJ and when I checked there tracking number on XX/XX/year>XXXX  it was still a day out but I saw that it had XXXX, NJ on it instead of XXXX, NJ so I quickly got on the phone with Discover Bank and had them cancel the check immediately. Which was good anyway because I found out that XXXX was scamming me anyways. That's another case being dealt with. On XX/XX/year>XXXX  I noticed that the {$15000.00} wasn't credited back to my account yet so I wrote them and then called them to be told that their clerk did not cancel the check right and that it actually got cashed. So I asked Discover Bank many times what they were going to do about this cause it was not properly cancelled by their employee and all they kept telling me is that cancelling a check isn't always full proof and that there was nothing they could do about it. I must of called at least 50 or more times on this issue upset and asking what they were going to do about it and I'm sure there were many notes on me because I got a different person in different states each and Everytime that knew what was going on and couldn't do anything about it. Nothing. And all this complaining I was doing was right after the check was supposedly cancelled which was around the XXXX of XX/XX/year>XXXX  is when I found out it was not cancelled right. No one did anything to help me in any way but pass me off to this person and that person. I was literally in tears crying and the lady is telling me that she can't talk to me unless I calm down and she still did nothing. It was their fault. I think they should pay back my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
I am filing this complaint regarding a collection account being reported by Spring Oaks Capital , LLC for an alleged debt originally from XXXX XXXX XXXX XXXX ( reference no. XXXX, account ending in XXXX ). The current balance reported is {$3200.00}. 

I previously submitted a written dispute and request for validation of this debt. In response, Spring Oaks Capital failed to provide adequate documentation to validate the debt as required under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ). Specifically, they did not provide : A signed agreement bearing my signature Instead, they only sent a generic response confirming my name and the balance, which does not meet the standard for proper validation.

Additionally, I have a fraud alert on my credit file and have been impacted by previous identity misuse. I do not recall authorizing or receiving any disbursement or loan from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: MA

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 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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Solar Mosaic LLC
State: GA

Complaint narrative:
On XX/XX/year>, XXXX door to salesman came to our house stating that he was a representative of XXXX XXXX affiliated with XXXX XXXXXXXX, our electric company. He stated that XXXX XXXXXXXX was trying to reduce electric consumer costs to residents. He stated that this would be accomplished with the use of solar panels. He asked to see the electric costs over the past XXXX  months. I printed out a graph and gave it to him. He said that with solar panels, our costs would never exceed $ XXXX per month. He had a small tablet and showed me where to initial. I told him that my wife and myself had XXXX I initailed the spots that he pointed to and he then said that we were approved. 
There wss never any mention of costs or financing. No mention of any company. 
A few weeks later, on XXXX XXXX, I cancelled the project. I had beeb receiving emails from Mosaic. I didn't know who or what they were and didn't open them. On XXXX I opened XXXX and discovered that I had signed a contract with them for {$31000.00} for a term of XXXX  years. I immediately contacted XXXX XXXX and cancelled the contract. I contacted Mosaic Solar and explained that nothing was ever said about financing with them. I asked Mosaic if they ad disbured any funds and they stated that they had disbursed {$12000.00} XXXX on XXXX XXXX XXXX recently cancelled the project within the last couple of wees, after XXXX months. I have contacted both over this time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-11 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:
Upon reviewing my credit report, I noticed a collection account that does not belong to me and appears to have been fraudulently opened. I had no part in authorizing this debt, nor am I legally liable for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a new complaint against Experian for failure to comply with the Fair Credit Reporting Act regarding an unresolved dispute for XXXX XXXX XXXX XXXX account ending in XXXX ). 

I previously filed CFPB complaint # XXXX, which is still open and unresolved. On XX/XX/year>, I contacted Experian by phone to demand deletion of this unverifiable account. The representative refused, claiming the creditor would not authorize removal which is a direct violation of FCRA 611 ( a ) ( 1 ) ( A ) requiring Experian to conduct a proper reinvestigation within 30 days and delete unverifiable information.

Additionally, I formally requested a Method of Verification under FCRA 611 ( a ) ( 7 ), which was denied by the representative, refusing to disclose how the information was verified and with what documentation. 

This is a willful procedural violation of the Fair Credit Reporting Act. I am demanding immediate deletion of this unverifiable and inaccurately reported account and a full regulatory review into Experians dispute handling practices.

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 2025-07-11 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX 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 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOUTHSTATE BANK CORPORATION
State: SC

Complaint narrative:
Went into XXXX in person on XX/XX/year> to open a new checking account as I started a second job. The senior financial representative XXXX XXXX helped me and was great. She said I needed two forms of ID had my drivers license she asked for my social which I don't carry on me, all I could find that she would accept was my car insurance card. I offered other credit cards, I offered health insurance card, I said I could come back with the social security card she said no need the insurance for the car worked. I do currently have all my stuff frozen from the IRS hack and didn't even remember it because I don't open new accounts. She said it wasn't an issue. I said I could unfreeze and come back again she said no need. We opened the account, I deposited the money needed. I've since filled out a new AHC and w9 for my new job no issues. Set up online banking. And then today came home to a letter stating account closed. I called the number on hand and the person who answered took all my info and then said they did not need to tell me why they closed the account. Said we simply do not want to do buisness with you. No rational nothing. My credit score is in the XXXX 's I own a second buisness, I have other accounts at credit union. So this is shocking and upsetting as I don't want it to impact my new job or if it gets reported. I went there because they did not have minimums for checking while I get up and working more. IF this related to my credit freeze I could've unfrozen it and then applied. So would've been nice to be treated with respect. Vs the lady saying " we don't want to do business with you. and we don't need to tell you anything else ''. So all I can do is guess at the reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: AL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-11 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: AL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX XXXX  I deposited my tax refund in the amount of XXXX I was given my receipt advising a hold until XXXX XXXX on XXXX XXXX  i received a email saying my account was restricted I called verified answered all questions about my account I was told my account would be closed XXXX XXXX  my refund check posted to my account on XX/XX/year>XXXX  I was told by one rep the funds had not been paid as of yet I was also informed the check was fraud which is untrue per the treasury site my check has been paid to the financial institution I have been giving the run around and unfairly treated its against the law to hold onto government funds Ive answered all questions and I still have no access to my funds the bank keeps saying they are investigating the payment but the payment is valid

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: TX

Complaint narrative:
This letter is to notify you that a collection account has been wrongfully associated with my credit profile. I have no knowledge of this debt, and I dispute its validity in full.

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 2025-07-11 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: NC

Complaint narrative:
XXXX letters where set out to correction and report 100 % accurate according to the law but wasn't investigate correctly or not at all ( XXXX XXXXXXXX Account # XXXX  ) for example is reported inaccuracies across the board XXXX LETTERS same situation XXXX  XXXX Account # XXXX  IS STILL INACCURACIES

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: NC

Complaint narrative:
XXXX letters where set out to correction and report 100 % accurate according to the law but wasn't investigate correctly or not at all ( XXXX XXXXXXXX Account # XXXX  ) for example is reported inaccuracies across the board XXXX LETTERS same situation XXXX  XXXX Account # XXXX  IS STILL INACCURACIES

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