vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-21 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 recently got a copy of my report and noticed fraudulent accounts on my record.Please remove these accounts as they are hurting my capability of obtaining credit.Thank you

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 2024-09-21 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: FL

Complaint narrative:
Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.

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 2024-09-21 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: WA

Complaint narrative:
On my XXXX card : My First Date of Delinquency was XXXX. 
The account was CLOSED XXXX. 

The account was then Charged Off XX/XX/XXXX ( which was more than 7 years after the account was closed ). 

When an account is Charged off, it leaves the account with a {$0.00} balance. 

The company reported that they charged off the balance XX/XX/XXXX ( ~ $ XXXX ). HOWEVER, the company is still reporting the same exact amount as a balance ( a current running balance ). 

I have filed disputes for the removal of the account should recently AND in the past ( many years ago ). 

The above is the information that at least two of credit reporting agencies currently has. 

The account was closed in XXXX. 
The account was charged off in XXXX. 
There was no additional charges to the account since XXXX. 
Therefore, after the balance was charged off ( XXXX ), the account should have a XXXX dollar balance. 
The reported current running balance is incorrect, and damaging! 

In addition, since the account was closed in XXXX, come XXXX ( 7years after ), the account should have been removed from every one of my credit reports ( every credit reporting agency ). 

Since there was a supposed payment on XX/XX/XXXX -which was the charge off, AND the supposed " currently running balance '' reported of the same amount of money, the account has not been removed and continues to cause damage/harm. 

I have tried to dispute it, but the disputes resulted in the same reported running balance. 


This has caused harm to my credit. 
This has stopped me from repairing my report/credit ( for years ). 
This also has caused harm to my ability to gain credit. 

It is imperative that the information be corrected with all XXXX credit reporting agencies! 
... be corrected to a XXXX balance, as of XX/XX/XXXX. 
... And, in addition, since the account was delinquent & closed in XXXX, it has been more than 7 years. Therefore, the account should not be on any of my credit reports. 
* Please remove the account from all 3 of my credit reports. 

Many years have already passed in which I could have been building credit -to which the error has caused harm.

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 2024-09-21 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: WA

Complaint narrative:
On my Discover card : My First Date of Delinquency was XXXX. 
The account was CLOSED XXXX. 

The account was then Charged Off XX/XX/XXXX ( which was more than 7 years after the account was closed ). 

When an account is Charged off, it leaves the account with a {$0.00} balance. 

The company reported that they charged off the balance XX/XX/XXXX ( ~ $ XXXX ). HOWEVER, the company is still reporting the same exact amount as a balance ( a current running balance ). 

I have filed disputes for the removal of the account should recently AND in the past ( many years ago ). 

The above is the information that at least two of credit reporting agencies currently has. 

The account was closed in XXXX. 
The account was charged off in XXXX. 
There was no additional charges to the account since XXXX. 
Therefore, after the balance was charged off ( XXXX ), the account should have a XXXX dollar balance. 
The reported current running balance is incorrect, and damaging! 

In addition, since the account was closed in XXXX, come XXXX ( XXXX after ), the account should have been removed from every one of my credit reports ( every credit reporting agency ). 

Since there was a supposed payment on XX/XX/XXXX -which was the charge off, AND the supposed " currently running balance '' reported of the same amount of money, the account has not been removed and continues to cause damage/harm. 

I have tried to dispute it, but the disputes resulted in the same reported running balance. 


This has caused harm to my credit. 
This has stopped me from repairing my report/credit ( for years ). 
This also has caused harm to my ability to gain credit. 

It is imperative that the information be corrected with all 3 credit reporting agencies! 
... be corrected to a XXXX balance, as of XX/XX/XXXX. 
... And, in addition, since the account was delinquent & closed in XXXX, it has been more than 7 years. Therefore, the account should not be on any of my credit reports. 
* Please remove the account from all 3 of my credit reports. 

Many years have already passed in which I could have been building credit -to which the error has caused harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 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: WA

Complaint narrative:
On my XXXX  card : My First Date of Delinquency was XXXX. 
The account was CLOSED XXXX. 

The account was then Charged Off XX/XX/XXXX ( which was more than 7 years after the account was closed ). 

When an account is Charged off, it leaves the account with a {$0.00} balance. 

The company reported that they charged off the balance XX/XX/XXXX ( ~ $ XXXX ). HOWEVER, the company is still reporting the same exact amount as a balance ( a current running balance ). 

I have filed disputes for the removal of the account should recently AND in the past ( many years ago ). 

The above is the information that at least two of credit reporting agencies currently has. 

The account was closed in XXXX. 
The account was charged off in XXXX. 
There was no additional charges to the account since XXXX. 
Therefore, after the balance was charged off ( XXXX ), the account should have a XXXX dollar balance. 
The reported current running balance is incorrect, and damaging! 

In addition, since the account was closed in XXXX, come XXXX ( 7years after ), the account should have been removed from every one of my credit reports ( every credit reporting agency ). 

Since there was a supposed payment on XX/XX/XXXX -which was the charge off, AND the supposed " currently running balance '' reported of the same amount of money, the account has not been removed and continues to cause damage/harm. 

I have tried to dispute it, but the disputes resulted in the same reported running balance. 


This has caused harm to my credit. 
This has stopped me from repairing my report/credit ( for years ). 
This also has caused harm to my ability to gain credit. 

It is imperative that the information be corrected with all 3 credit reporting agencies! 
... be corrected to a XXXX balance, as of XX/XX/XXXX. 
... And, in addition, since the account was delinquent & closed in XXXX, it has been more than 7 years. Therefore, the account should not be on any of my credit reports. 
* Please remove the account from all 3 of my credit reports. 

Many years have already passed in which I could have been building credit -to which the error has caused harm.

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 2024-09-21 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: TX

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.

The accounts below have violated my rights.

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 
15 U.S.C 1681s-2 ( A ) ( a ) 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. 
Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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 would like to dispute these inaccurate accounts on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Re : Dispute of Fraudulent Activity and Demand for Correction on XX/XX/XXXX XXXX XXXX credit card I am writing to formally dispute the fraudulent activity on my credit report from XXXX stemming from the unauthorized use of my stolen debit card. Despite my prompt reporting of the theft to the issuing bank and local authorities ( Police Report Number : [ XXXX ], Date : [ XX/XX/year> ] XXXX XXXX police department chexsytem has failed to correct the erroneous information. Fraudulent Transactions : I Demand for Correction : 1. Immediately remove the fraudulent transactions from my credit report. 2. Correct my credit score to reflect the removal of these transactions. 3. Provide a corrected credit report to all entities that have accessed my report in the past 12 months. Failure to Comply : If chexsystem fails to comply with my demands within 14 days, I will : Report to the Federal Trade Commission ( FTC ). Pursue civil litigation under 15 U.S.C. 1681 ( Fair Credit Reporting Act ). Seek damages for negligence, defamation, and emotional distress. You are hereby notified that I will seek relief under : 15 U.S.C. 1681 ( Fair Credit Reporting Act ) - 18 U.S.C. 1343 ( Fraud by Wire, Radio, or Television ) - State-specific consumer protection statutes Failure to comply will result in : - Actual damages - Punitive damages - Attorney 's fees and costs - Injunctive relief 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 2024-09-21 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 was shocked to find inaccurate accounts on my credit report this morning, and I have no clue how they got there. I always check my credit report regularly, but today, out of nowhere, there were errors. I even refreshed the page, hoping it was just a glitch, but nothing changed. The incorrect accounts remained. I really hope that the documents Ive submitted will be carefully reviewed, so I never have to go through this kind of worry again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: FL

Complaint narrative:
Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.

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 2024-09-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
I am a victim of fraud from the XXXX XXXX XXXX XXXX and XXXX and the lender Mosaic Solar. I had agreed to begin the design and construction for XXXX XXXX 's and he just had me do the Mosaic loan. It was done on his phone and I do not speak XXXX but apparently the lender gave the contractor {$150000.00} and he never gave me a contract. I have tried to get a hold of him to no avail. I even made the payments because I had perfect credit and wanted to protect it. At this point I want the loan cancelled, especially since absolutely nothing has been done, and Mosaic keeps calling me and my XXXX  children for the payment. I will no longer be paying the loans, there are XXXX for $ XXXX each. Mosaic gave the funds to the XXXX XXXXXXXX so they should collect from him since he left with ALL of the money. Mosaic should collect from him and cancel the XXXX loans and give me back any and all payments I have made. Please do this immediately. 

My next step will be to hire an attorney to protect myself. I have sent photographs and evidence that nothing was done that Mosaic has requested. If this is not immediately cancelled I'll have no choice but to file a suit and complaint to the XXXX XXXX against the XXXX XXXX and Mosaic because this is beyond unfair. I shouldn't have to be financially responsible for what the XXXX XXXX and Mosaic have done. I will also be filing a complaint with every government agency, especially those that regulate Mosaic. 

I need confirmation within 30 days. 
These are the loan numbers. 

Loan # XXXX # XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax advise me to reach out to submit proof of Id and water bill because my address is not reporting in their system

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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 have checked online, and my information was XXXX of the XXXX XXXX people whose information was leaked in 2017. Apparently, I missed the settlement date because I didn't know that my information had been misused until now. The people in charge of my credit, my social security number and private information that is the very building blocks of life, let it be stolen and since I didn't find out about it until now, they just don't have to make it up in any way? No money, no assistance, just " too bad you're too late ''??? I would like every single big of information added to my reports since the Equifax breach removed. Immediately. None of it is mine. It is all from this gross negligent breach and it's not fair for me to suffer which I am because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CITIZENS FINANCIAL GROUP, INC.
State: KY

Complaint narrative:
This correspondence serves to convey my profound dissatisfaction regarding the management of our loan payments. Several years ago, we underwent the loan modification process due to difficulties in meeting our payment obligations. Unfortunately, the modification yielded only a modest reduction of {$100.00} per month, which proved to be insufficient. Subsequently, the monthly payments increased as a result of adjustments in escrow and taxes, a development that is understandable. However, the variability in the monthly payment amounts has made it increasingly difficult to keep track of the precise amount owed each month. On a couple of occasions, I failed to note the exact payment amount, resulting in the return of my payments. I attempted to rectify this by paying the difference on one occasion, but that payment was also returned. Currently, my payments, which reflect the accurate total, are being returned as well. This situation has led to my account being marked as delinquent, with payments being returned to me 2-3 weeks after the payment is made. 

It is evident that I have been consistently making my payments. For the past six months, I have been paying {$1400.00} each month ; however, the payment amount changed once more in XXXX, increasing by nearly {$200.00}. As I receive my salary biweekly and have additional financial obligations, I find it perplexing that my full payments are not being accepted. While I acknowledge the possibility of incurring late fees or other charges, outright refusal of payment is unreasonable. This situation is leading to significant delinquency in my account, which poses a serious issue. 
Below is a history of my payments to date. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Two full payments of {$1500.00} have been refunded to me to date, and I suspect a 3rd payment recently made will be as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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:
Dear CFPB, I am submitting this formal complaint against XXXX, XXXX, and Equifax to request the removal and blocking of fraudulent information on my credit reports due to identity theft. I have recently discovered unauthorized accounts and debts on my credit report that were opened in my name without my knowledge or consent. These fraudulent accounts are a result of identity theft, and I have already taken steps to resolve this issue. 
Details of the Fraudulent Information : Are attached in dispute letter I have taken the following actions regarding this fraudulent activity : XXXX. Submitted a complaint to the Federal Trade Commission ( FTC ) and completed an Identity Theft Affidavit ( FTC Affidavit Number : XXXX, XXXX, XXXX, XXXX XXXX. Contacted each credit reporting agency ( XXXX, XXXX, and Equifax ) to notify them of the identity theft and provided the necessary documentation. 
Despite my efforts, the fraudulent information remains on my credit reports, negatively impacting my credit standing and subjecting me to potential liability for debts that I did not incur.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 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: GA

Complaint narrative:
Dear CFPB, I am submitting this formal complaint against TransUnion, XXXX, and XXXX to request the removal and blocking of fraudulent information on my credit reports due to identity theft. I have recently discovered unauthorized accounts and debts on my credit report that were opened in my name without my knowledge or consent. These fraudulent accounts are a result of identity theft, and I have already taken steps to resolve this issue. 
Details of the Fraudulent Information : Are attached in dispute letter I have taken the following actions regarding this fraudulent activity : 1. Submitted a complaint to the Federal Trade Commission ( FTC ) and completed an Identity Theft Affidavit ( FTC Affidavit Number : XXXX, XXXX, XXXX, XXXX XXXX. Contacted each credit reporting agency ( TransUnion, XXXX, and XXXX ) to notify them of the identity theft and provided the necessary documentation. 
Despite my efforts, the fraudulent information remains on my credit reports, negatively impacting my credit standing and subjecting me to potential liability for debts that I did not incur.

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