vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: MD

Complaint narrative:
I'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and 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 explanation
Consumer complaint received 2025-04-24 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am deeply troubled by the late payment reflected on my account, as I have always made timely payments. This error is causing unnecessary stress, and I kindly request its immediate removal to accurately reflect my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: MD

Complaint narrative:
TRANSUNION XXXX Re : Letter to Remove Inaccurate Credit Information : XXXX Re : Letter to Remove Inaccurate Credit Information : Experian I received a copy of my credit report and found the following item ( XXXX ) to be errors. 
Here as follows are items in error : The following inquiry needs to be removed immediately : Explanation : This inquiry was made without my knowledge or consent and I would like to be provided proof I consented to this inquiry via FCRA Sections 609 and 605, as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or XXXX, I would like it removed immediately. 
The following inquiry needs to be removed immediately : XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year> 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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am requesting that the Consumer Financial Protection Bureau instruct the credit bureaus to update the following accounts to reflect their correct current status : 1. XXXXXXXX XXXX This account is incorrectly showing as derogatory. It needs to be updated to reflect Current or Paid as Agreed across all bureaus. 
2. XXXX XXXXXXXX XXXX This account is also still marked as derogatory. It is a closed account and should be updated to remove the late notation and show standard closed/paid status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am requesting that the Consumer Financial Protection Bureau instruct the credit bureaus to update the following accounts to reflect their correct current status : 1. XXXXXXXX XXXX This account is incorrectly showing as derogatory. It needs to be updated to reflect Current or Paid as Agreed across all bureaus. 
2. XXXX XXXXXXXX XXXX This account is also still marked as derogatory. It is a closed account and should be updated to remove the late notation and show standard closed/paid status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am requesting that TransUnion and Experian immediately update the reporting of my XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( Account ending in XXXX ) to reflect the correct status of Current / Paid as Agreed, consistent with how Equifax is currently reporting it. 

The loan is open, active, and in good standing with no balance past due and no current delinquencies. However, TransUnion and Experian are still showing this account with a derogatory 30-day late payment from XX/XX/year>, even though the account has been current for several months. 

This late payment is outdated and should no longer appear as a derogatory mark on my report. I have already disputed this previously, and Im now requesting that it be fully corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Payment process
Company: Hanwha QCells USA Corp
State: LA

Complaint narrative:
In XXXX of XXXX I contacted a solar panel company about adding solar to our home to help offset $ XXXX monthly energy bill. The company was XXXX XXXX XXXX. The preached {$30000.00} tax credit which could be used towards the loan for the solar, or a lump sum payment at the beginning of XXXX. I received neither of those. And the loan provider EnFin won't acknowledge any of this either. I was scammed and pressured into a product and service that is false, and not helping on my energy bill. This was also set to auto draft, and they claim they aren't receiving payments. And now it's negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: AL

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: NJ

Complaint narrative:
Affirm account # XXXX This account was reported as a charge off and is affecting my score negatively. The reporting of this account is incorrect as I still see a balance after it was chargeoff. I urge your agency to reinvestigate and provide all the missing information. Also, please explain why there is a past due balance reporting while the report show as a chargeoff? I'm pretty sure you know that it is a violation. I demand the immediate deletion of this account to ensure that your agency is reporting full and only complete information on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: AR

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: NJ

Complaint narrative:
Someone applied for a credit card with XXXX using my full name, address, SS XXXX and XXXX. I did not apply and it was a fraudulent request. This fraudulent application caused the credit agencies to do a XXXX XXXX on my Credit Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: Google Compare Credit Cards Inc.
State: CO

Complaint narrative:
On XX/XX/year> my debit card was billed for {$30.00} ( the monthly cost ) for XXXX. I was aware that my account would be charged on XX/XX/XXXX so I refused to add funds to my checking account for the month. After XXXX XXXX  had made several attempts to credit my account and was unsuccessful, I made a deposit to pay other bills, I noticed that I was charged. I immediately called XXXX to request a refund and to cancel my account but was told to contact XXXX XXXX. I contacted XXXX XXXX XXXXXXXX to dispute the transaction but my bank did not rule in my favor. Although, XXXX didn't cancel my account until XX/XX/year>, I have not received a refund. When I reached out to XXXX XXXX  online, they claimed to issue a refund that would be credited back to my debit card within 7 business days but was reversed and I was not given an explanation as to why I did receive the refund. I did not use the subscription and I should have be refunded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hi on XX/XX/year> at XXXX am i receive an call from the wells Fargo corporate about harassing me that they will not closed my checking account as i had previously requested till i pay their overdraft fees of {$98.00} to them before they can close my account. And this is an fraudulent practice and this is also in violation of federal laws and the fair lending protection act also this is an unfair banking practice and criminal act. i got an call from them again on XXXX XXXX at XXXX am about the same harassing calls they will not close my checking account so i has warn them on what i plan to do is to take legal action against them if they continue to disrespecting my request for them to close my account and trying to fraudulent me my money and i own them nothing. so the federal laws has already orders all banks and finance institutions about not to charge consumers with these overdraft fees and service fees because their don't have money in their checking, saving, and business accounts and it insufficiency they have no rights to rule and tell us on how we oath to manage our money in our account. That our hard and earned money and we can manage our money anytime we want to in and out of our banking accounts. so i encourage you folks to warn them about violating the laws about these unfair banking practice in criminal fraudulent practices toward XXXX consumers and about the penalties that we will take action and file an lawsuit in the courts if they willfully continue to violate consumer rights and not close our banking accounts we has also found out that we got banks and other financial institutions who has already been in previous legal trouble with consumers and federal agencies and has taking legal actions against these junk and fraudulent fees in the courts in the previous years doing the future. please teach them to respect these federal laws about fair banking practicing and respecting us consumers rights and please make sure that XXXX of you do knows the federal laws and the XXXX constitutional rights about fair banking practicing thank you very much

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I'm filing this complaint under the FCRA due to the willful noncompliance of the credit bureaus & data furnishers improperly investigating my disputes, as required under 15 usc 1681 & 15 usc 1681 A-2 ( B ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation & have continued to report inaccurate information to my credit report. Furthermore, the data furnishers have neglected their legal obligation to investigate the disputed information when notified by the credit bureaus. This failure to uphold their responsibilities under the FCRA constitutes a violation of my consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I'm filing this complaint under the FCRA due to the willful noncompliance of the credit bureaus & data furnishers improperly investigating my disputes, as required under 15 usc 1681 & 15 usc 1681 A-2 ( B ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation & have continued to report inaccurate information to my credit report. Furthermore, the data furnishers have neglected their legal obligation to investigate the disputed information when notified by the credit bureaus. This failure to uphold their responsibilities under the FCRA constitutes a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: NV

Complaint narrative:
I would like to request the temporary removal of the security freeze on my credit report to allow authorized financial institutions to access my credit history. This is necessary for the processing of my loan application, which requires a review of my creditworthiness and financial standing. Please proceed with lifting the freeze as soon as possible to ensure a smooth and timely evaluation of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Guild Holdings Company
State: NV

Complaint narrative:
I would like to explain that XXXX XXXX does not care about the hard working Americans in a situation as explained below. I am a hard working XXXX/American that was treated unfairly and unjust by this company after 7 year perfect payment history. 

Over the past seven years of living in our home, I have never been late with my mortgage payments. Even during the challenging times of COVID when I was laid off, I managed to keep up with my financial obligations and consistently paid my mortgage on time. However, in this instance, I was unaware that my payment had not been successfully submitted. 

Upon logging into my account, I noticed that I had transferred money from one account to another but missed the final submit button on the next page before closing my computer. I found it odd that XXXX XXXX waited until the 32nd day to inform me, especially since they usually make courtesy calls on the 2nd day of the month to remind me to make a payment. This time, however, they failed to do so, and all the while I was confident and I was under the impression that my payment had been received. 

Since then, I have made all subsequent payments on time and my account is back to current status. Ensuring that I maintain a positive payment history with XXXX XXXX is my priority, and I have sent XXXX a copy of my credit report to prove my perfect payment history. I have consistently met my financial obligations, and this late payment on my credit report is negatively impactting my ability to secure a much-needed loan for a new car. 

Therefore, I kindly request your assistance in removing the late payment from my credit report, as it would greatly aid me in achieving my financial goals. I believe XXXXXXXX XXXX was is unfair, unjust in their handling of this situation and strategically waited to send me to collections.

Company response to consumer: Closed with explanation