vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Rocket Mortgage, LLC
State: OK

Complaint narrative:
Rocket mortgage recently took over my homeowners loan from XXXX XXXX XXXXXXXX My homeowners insurance did not get properly transferred and my credit of XXXX went DOWN to XXXX. I was told this would not happen and that all transactions would be properly taken care of. I have called approximately 3-4 times, being transferred to XXXX, whom refused to return my calls with an explanation of the improper and inefficient transfer by Rocket Mortgage. My last call was made XX/XX/2025, leaving a voicemail AGAIN with XXXX. Her voicemail said she would get back to me in 24-48 hours. Once again, no response. I am very upset with this and if I do not get results I have no choice but to take further action. I deserve my XXXX XXXX XXXX back. I have worked all my life to maintain a perfect credit score, with not ever having a late mortgage payment. 
I expected and trusted RM to make this transfer perfect as explained in my letter that I received stating that this would NOT EFFECT my Credit score. 
I EXPECT A RESPONSE FROM XXXX OR HER SUPERVISOR WITH AN EXPLANATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: FL

Complaint narrative:
XXXXXXXX XXXX  account number XXXX was opened XX/XX/year>. I contacted XXXX and they send me the info showing the info that was used to open this account. one problem is the email is not me and the person used his name in the email address. I was XXXX in the XXXX and had no clue of this issue. From XXXX : Additionally, the account was used for local transactions and several payments were made. It is also noted that the email address and phone number included in your CFPB correspondence, XXXX and XXXX, match the email address and phone number provided on your original application. I would like this account removed from ALL credit reporting company 's ASAP. 

Also, there is no contract signature from myself as stated in their letter. 
As well they stated they sent the security info to a email that dont belong to myself. 
This is a clear Violation of the fair credit 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 explanation
Consumer complaint received 2025-01-09 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:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9700.00} Charged off XX/XX/XXXX Date Opened : XX/XX/XXXX Balance : {$5200.00} Charged off XX/XX/XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} Late/Open XX/XX/XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Late/Closed XX/XX/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX  PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-09 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: NY

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2025-01-09 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 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 Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX ( XXXX ) XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX Re : Dispute of Inaccurate Credit Reporting and Collection Information Dear Sir/Madam , I am writing to formally dispute inaccuracies on my credit report under the provisions of the Fair Credit Billing Act ( 15 U.S.C. 1666b ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ). 

1. Dispute of Credit Reporting Under 15 U.S.C. 1666b ( Billing Errors ) I have reviewed my recent credit report and identified an error in the reporting of a billing issue related to an account [ Account Number ]. Specifically, the report inaccurately reflects a charge, payment, or balance that does not align with the actual transactions on my account. As per the Fair Credit Billing Act, I am entitled to dispute any billing errors, and I request that you investigate and correct this issue within the time frames stipulated by the law. 

2. Dispute of Collection Information Under 15 U.S.C. 1681e ( b ) ( Accuracy of Reported Information ) Additionally, I believe that the information being reported to the credit bureaus concerning an alleged debt under collection ( Account Number : [ Account Number ] ) is inaccurate or incomplete. As outlined in the Fair Credit Reporting Act, creditors and collection agencies are required to ensure that the information provided to consumer reporting agencies is accurate and complete. I request that you investigate and verify the validity of this debt, and that you provide me with documentation proving its accuracy, including the date of the alleged debt, the amount owed, and the details of the original creditor. 

As both 15 U.S.C. 1666b and 15 U.S.C. 1681e ( b ) stipulate, I am entitled to have any disputed information properly investigated and corrected within a reasonable period. I request that you take the necessary actions to correct the inaccuracies on my credit report, and that you notify the credit reporting agencies of any changes. 

Please provide written confirmation of the actions taken to resolve these issues and furnish me with updated copies of my credit report reflecting these corrections. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX ( XXXX ) XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Re : Dispute of Inaccurate Credit Reporting and Collection Information Dear Sir/Madam , I am writing to formally dispute inaccuracies on my credit report under the provisions of the Fair Credit Billing Act ( 15 U.S.C. 1666b ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ). 

1. Dispute of Credit Reporting Under 15 U.S.C. 1666b ( Billing Errors ) I have reviewed my recent credit report and identified an error in the reporting of a billing issue related to an account [ Account Number ]. Specifically, the report inaccurately reflects a charge, payment, or balance that does not align with the actual transactions on my account. As per the Fair Credit Billing Act, I am entitled to dispute any billing errors, and I request that you investigate and correct this issue within the time frames stipulated by the law. 

2. Dispute of Collection Information Under 15 U.S.C. 1681e ( b ) ( Accuracy of Reported Information ) Additionally, I believe that the information being reported to the credit bureaus concerning an alleged debt under collection ( Account Number : [ Account Number ] ) is inaccurate or incomplete. As outlined in the Fair Credit Reporting Act, creditors and collection agencies are required to ensure that the information provided to consumer reporting agencies is accurate and complete. I request that you investigate and verify the validity of this debt, and that you provide me with documentation proving its accuracy, including the date of the alleged debt, the amount owed, and the details of the original creditor. 

As both 15 U.S.C. 1666b and 15 U.S.C. 1681e ( b ) stipulate, I am entitled to have any disputed information properly investigated and corrected within a reasonable period. I request that you take the necessary actions to correct the inaccuracies on my credit report, and that you notify the credit reporting agencies of any changes. 

Please provide written confirmation of the actions taken to resolve these issues and furnish me with updated copies of my credit report reflecting these corrections. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I tried opening a high yield savings account with Synchrony bank using a mobile deposit check that I was awarded through a class action lawsuit with XXXX XXXX through the Consumer Financial Protection Bureau in the amount of {$900.00} on XX/XX/XXXX. Today is XX/XX/XXXX and the funds are showing available in my account, however I am unable to access them. I am unable to log in to my account or access my information in any way online I am unable to activate my ATM card. I have called over 8 times with regard to this and every time, Im told my account is still under review, but other times Im told 2-3 business days. I have done and provided all of the necessary information to open the account. Why are they still holding my funds and how is this allowed, when the policy states 5 business days. I want my funds released

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 2025-01-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
I was recently doing a credit score check because I am looking into purchasing me a vehicle soon. Knowing that I have not frequently used my credit since I have been of age I assumed my score would be fairly higher or Atleast not as low as it was when I checked it out. Instead I seen that on my credit report I have collections connected to accounts that I did not authorize. Only thing the company has shared with me is that my SSN and date of birth had to have been used to create this account. With that being said I assume that my information has been taken by someone who may have had access to it for other business reason and is being used for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: Chime Financial Inc
State: OR

Complaint narrative:
On XX/XX/year>, my debit card was taken out of my hand and swiped through a card reader without my permission by a woman at XXXX XXXX in XXXX Oregon. The transaction not only went through once, but twice. This made me become stuck in my car about XXXX miles from home for almost XXXX weeks. I have been fighting with Stride/XXXX  ever since. I have filed a police report and the establishment even submitted a letter stating they never made 2 charges, when in fact I was charged twice and they still deny me. They do not record my answers correctly, it is as if they do not understand XXXX and every time I ask for the reason why, they show me my own answers incorrectly dictated. This company has gone down hill quickly and should not be allowed to do any business in the US

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: DISCOVER BANK
State: NC

Complaint narrative:
company was unable to provide any information regarding this debt being connected to me and anything signed by me as these cards where opened without my knowledge,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: MD

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under XXXX XXXX XXXX ( Section XXXX ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating XXXX XXXX XXXX ( Section XXXX ( c ) ). 
Harassment under XXXX XXXX XXXX ( Section XXXX ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under XXXX XXXX XXXX XXXX. 

I demand that the following items be deleted immediately 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 2025-01-09 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:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/year> Balance : {$0.00} Charge off

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 2025-01-09 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: CT

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2025-01-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief