vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 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: CA

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX CARD SER Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX violation of 15 USC 1692g. Validate this account. You have 30 days to verify if you fail to this must be deleted. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

9. 15 USC 1681i ( 4 ) client privacy information. Delete this item immediately XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX violation of section 604 15 USC code 1681B. Please remove from my credit report XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 


In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and rectify these disputed items. It is my understanding that you are required to verify these items with the relevant creditor. Please proceed with removing any information that can not be verified by the creditor. I am aware that, as stated in 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receiving this letter.

Furthermore, I kindly request that you send an updated copy of my credit report to the aforementioned address. According to the law, there should be no charge for this updated report. Additionally, I ask that you notify any party who has received my credit report in the past six months of the corrections being made. 

Thank you for your attention and assistance regarding this matter.

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 2025-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
I am filing this complaint against Rocket Mortgage due to an incorrect late payment reported on my credit report. Despite my efforts to resolve this directly with Rocket Mortgage, they have refused to correct the issue, which has resulted in significant financial harm. 

What Happened : On XXXX XX/XX/XXXX, I called Rocket Mortgages automated payment system to make my monthly mortgage payment. 
During the call, I explicitly stated to make the payment for that same day. 
However, due to unclear system prompts, the payment was processed for a later date, causing an unjustified late payment classification on my credit report. 

Steps Taken to Resolve the Issue : on XX/XX/XXXX as soon as I noticed the issue that the payment didnt go through. I contacted Rocket Mortgages customer service to request a correction and to apply the payment immediately. 
I explained that I had intended to pay on time and had used their automated system, which did not clearly indicate the payment date before finalizing the transaction. 
Despite my strong payment history with no prior late payments, Rocket Mortgage refused to make any adjustments, stating that their system does not allow goodwill corrections. 
I escalated the matter multiple times, but they continued to deny my request. 

Impact of This Error : This incorrect late payment has damaged my credit score, directly affecting my ability to secure a new loan. 
As a result, my lender has delayed the closing of my new mortgage, which could lead to significant financial losses in the thousands of dollars. 

Attached are screenshots of email exchanges where I attempted to resolve this with the executive team, additionally you can see where they admit that this is an unintentional mistake, but Rocket Mortgage refused to engage in a meaningful discussion to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have been effectively locked out of my XXXX XXXX ( Webster Bank ) savings account since XX/XX/year> due to the extreme difficulty imposed by this online bank in " verifying my identity '' in order to update the phone number associated with the account. 

At first, there was a glitch on the Webster website in XX/XX/year>- I have provided a screenshot of the error window and my email to Webster bank below. I got a new cellphone around that time and needed to update the phone number in order to continue using XXXX for my account with the new number. 

I have called countless times, sent photos of my ID and other sensitive identification info XXXX in order to prove that I was the account holder to no avail. I was informed that the only option to confirm my identity was to do so over the phone. I have been subject to multiple XXXX question verification tests- which I have been told I did not pass even when I was certain that I answered all of the questions about my background correctly. These tests pull from years worth of personal data via XXXX reports and one wrong answer - even if you make a mistake and catch yourself- means you will be denied the ability to change your account information and must try again in XXXX hours. This is after I am able to provide the correct name, account number, date of birth, social security number, username, email for the account, and the previous phone number - this should be and is sufficient information to confirm that I am the account holder, yet somehow its not enough. I have explained this issue to XXXX XXXX account services supervisors who told me they would find a way to assist me and call me back and have not received a call back yet almost XXXX XXXX later. 

I recently moved and was able to change my address with this account via phone call with far less verification required. I received my XXXX from Webster Bank in the mail and receive monthly account updates to my email address but can not do something as simple as update my cell phone number. I feel my account is being held hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: CA

Complaint narrative:
Remove all inquiries made by bank, mortgage finance, XXXX XXXX or any other agency or entity be removed as they were not authorized by me

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried calling Experian and using their online system to remove dispute notations, but their automated phone system will not allow you to talk to a real person and their online system does not allow you to request to remove dispute notations.

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 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
I saw a charge for {$670.00} from a company called XXXX  on my Apple Card I did not recognize on XX/XX/year> as " pending. '' I contacted XXXX and asked what the charge was for, and that I had not authorized a charge and to cancel it. They were not able to provide much information beyond the amount, such as what it was for, who made it. They said I can login to my account with them to see that info, but I do not have an account with them and could not find out any info. They said they can not cancel the charge because it had already gone through. 
I then contacted Apple to dispute the charge. I had my card cancelled and a new number issued. I have never done business with, requested or received any products or services with this company who charged my card.

Apple stated they would investigate the charge and issue a response.

They stated the charge would remain on my card. And the charge is on my card and I am being asked to pay it. However I did not make the charge, I contacted both companies as soon as I saw it, and don't know what else to do about this. It is a fraudulent charge.

However, I did not make the charge. So what do I do? I am being asked to pay {$670.00} for something I never purchased or received, and have not even been able to find out what it was for or who made it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, me and my husband went to a XXXX 's fragrance department in XXXX XXXX XXXX at XXXX XXXX. A lady named XXXX approached us to help with finding a fragrance. Once ready to purchase she said if I applied for a credit card I could received discount. I told her I did not want to apply for a credit card as I already had one as an authorized user through my husband 's account. She proceeded to verify the account online since I did not have the physical card with me. She told me that my account was inactive and that I would need to apply for a new once to become activated. I told her I am the only one who uses the card I knew it was active and not expired as I use it all the time. She said only my husband 's account was active but in order to get discount I would need to activate my card. I told her my card is the only one already used and active. She insisted and assured it was a new credit card. I told her 3 times I did not want a new card and to make sure i was not applying for a new credit card. She insisted it was not a new card and proceed to enter driver license and social security. At the end the screen showed " Credit Card application '' I told her this is not a new card? She said no, you are only activating your current card. After the process, the screen showed that I just applied for a new credit card and with a credit amount of {$800.00}. I told her very very upset that I did not wanted a credit card and that she had assured me it was. And she insisted it was okay and there is nothing she could do as it would already go to my credit report. I immediately asked her to speak to her supervisor. The supervisor call Macys Credit Department who only told me that the only thing I could do is close the account. The supervisor gave me coupons to apologize and XXXX said she was apologizing only for my mistake for misunderstanding her. I told them that I did not want this card or inquiry to be on my credit nor affect my report as I did not wish to apply for it and was only manipulated/tricked into applying for it by XXXX. I proceeded to call Fraud Department who said that they will investigate. I also called Macys Credit Card Department and told them this accoutn needs to be closed and removed from my credit. They gave me a case number.

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 2025-02-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
In XXXX of 2022, I took out a loan from a XXXX called One Main Financial. The amount of the loan was {$5300.00}. The amount of the finance charge was {$4500.00} and the total payments will be {$9800.00}. The Annual Percentage rate is 29.96 %. I have so far paid a total of {$5300.00} and my balance owed is {$3200.00}. Although I signed a contract for this loan, I believe the way the interest is being calculated may be illegal and that this is a predatory loan. I want the amount of the loan to be recalculated so I am only paying the true interest rate I was promised at the inception of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: KY

Complaint narrative:
There are several addresses on my report that do not belong to me. Also one name has never been mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Velocity Portfolio Group
State: IN

Complaint narrative:
My name is XXXX XXXX, I reside at XXXXXXXX XXXX XXXXXXXX, XXXX, IN. Ive been contacted by Velocity Investments LLC Address : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, OH XXXX XXXX ) XXXX XXXX Fax ( XXXX ) XXXX I have not borrowed any money from this company nor do I have any credit card debt from this company at any time. I have no agreement with this company of any kind. Ive received a letter from them, threatening to garnish my wages. I believe that they are trying to collect an old debt between myself and ( XXXX  ) from 2018 which is more than XXXX years old. if this is the case, I have not agreed to XXXX  to sell my debt between them and myself to any third-party. I would like to have this matter resolved as soon as possible. and I do not agree to any debt that I didnt borrow from this company directly. 
Thank you for your time please contact me at ( XXXX ) XXXX for any questions

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 2025-02-19 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: CA

Complaint narrative:
FOUND AN IQNUIRY ON MY REPORT THAT I DON'T RECOGNIZE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Transworld Systems , Inc has failed to provide any notice of debt collection activities prior to reporting inaccurate information to third parties. I do not consent to Transworld Systems housing and utilizing my Personal Identifying Information to impede in my progression in life. I have never recievied any chain of title to show any legal rights of Transworld Systems Inc to possess and utilize my personal property. Transworld Systems Inc has reported incomplete and inaccurate information to several consumer reporting agencies without prior notice, and without consent. I am requesting complete ownership information detailing how Transworld Systems, Inc has come into possession, what was given in exchange to receive my PII and complete lawful title of this ownership as I have never provided any type of informed consent for my information to be utilized as any investment asset or gain by Transworld Systems , Inc. I would like a full detailed accounting according to Florida Statute 976.210 to confirm the existance of any alledged debt due on my behalf prior to any inaccurate information to be shared to any third party. Transworld Systems Inc has been violating the Gramm Leach Bliley Act for several months now that I have investigated, by sharing my consumer information without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim oXXXX XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a XXXX  determination letter according to XXXX ( b ) ( 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 2025-02-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
I was reviewing my credit report on XXXX and noticed a collection in the amount of {$1200.00} from XXXX. 
I previously disputed this debt and requested the bill showing the amount and where it came from. The bill was previously for unreturned equipment which had since been returned to XXXX. I didnt receive any letter from XXXX about a past due balance or a letter from that collection Agency Harris & Harris . I dont understand how these companies are allowed to ruin peoples credit without discussing or validating the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc.
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-02-19 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: FL

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 non-monetary relief
Consumer complaint received 2025-02-19 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: CA

Complaint narrative:
I filed a dispute with Experian to investigate the inaccuracies in my credit report. I have three negative marks on my credit & I would like them removed.Also provide me with their findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: CA

Complaint narrative:
I filed a dispute with Experian to investigate the inaccuracies in my credit report. I have three negative marks on my credit & I would like them removed.Also provide me with their findings.

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