vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Solar Mosaic LLC
State: NY

Complaint narrative:
XXXX - signed solar contract with XXXX XXXX XXXXXXXX - XXXX XXXX XXXX based on false information and deceptive practices. 
XXXX - contacted Mosaic Solar about a bridge loan in my contract from XXXX XXXX XXXX XXXXXXXX XXXX Mosaic Solar sent loan documents but was never notified it was not a bridge loan as per my contract but a home improvement loan. 
XXXX- received a letter saying I owed {$3300.00} in deferred interest on a loan I wasnt notified existed under my account. 
XXXX - started to receive notifications for my Mosaic Solar loan about my interest rate changing. When I went to my account I only had my one loan I registered. I discovered XXXX that Mosaic Solar registered a home improvement loan to send me notices but never indicated I needed to register it to see it on my account. I was also not looking for this loan as my contact with XXXX XXXX XXXX says it is a bridge loan. 
XXXX - contacted Mosaic Solar and offered to pay the bridge loan in the amount of {$25000.00} and they refused because they wanted the deferred interest because they said I was 3 weeks late. I told them their loan documents do not match my contract and I did not solicit them as a lender, XXXX XXXX XXXX did and suggested they get the deferred interest due to violating the Truth in Lending laws. They put me in for collections because I refused to pay. 
In summary- XXXX XXXXXXXX XXXX made false promises and statements at the time of contract signing. Mosaic Solar did actions for self interest and offered no protection for the borrower. Once again I did not solicit Mosaic Solar. I have negative credit report and even if I wanted to pay the loans, I can not get a HELOC because of the negative report. 
XXXX XXXX XXXX XXXX XXXX lied about the costs and according to Mosaic XXXX had no right to represent their institution on the contract. 
Mosaic Solar has put lien or has the ability to lien on my home because of the home improvement loan that was not in my contract. 
I contacted the AG and even Mosaic Solar said in a written response that XXXX XXXX XXXX XXXX XXXX  does not represent their lending institution. However, it does not address the situation they sent me different loan documents than I requested and did not address it. They secretly registered the loan to send me text notifications and email notifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Kindly remove these fraudulent accounts from my credit report, as I did not authorize their creation and was not aware of their presence. Under USC 1681g, I request their removal within 15 days. Supporting documents are attached.

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I was notified that all of my personal information was leaked in a recent credit reporting agency data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: FL

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-02-12 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 am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is incorrect on my credit report. My name is XXXX XXXX XXXX XXXX. They have it listed as XXXX XXXX and XXXX XXXX XXXX. This is my father. I have asked this be corrected as some of his debts continue to show on my report that belong to my father and my son but i keep getting a generic response stating this has been verified. I am asking they do a real check and not computer generated. This information is false and is not me. I have received a letter stating they want to see an Id. I have attached my state issue ID they also have an address as XXXX XXXX XXXX XXXX XXXX. This is not my address nor has ever been, This is my sons address and needs to be removed.

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I need your assistance in reviewing accounts from these companies that are incorrectly reporting late payments. After checking my credit report, I noticed certain accounts showing late payments that should not be there. These accounts should not have any late payment marks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$50000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-12 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: TX

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Kindly delete this unauthorized account from my credit file, as it is not related to me. I also request an investigation to resolve any other discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: AZ

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I received offer letter by mail from XXXX XXXX credit card company, if I spend {$1000.00} in 90 days, I will get {$200.00} rewards. 
In this letter it shows prescreen ID XXXX and I applied credit card on that ground. On first billing cycle I spent {$1700.00}. After too many calls and gave them all information in detail, even though they put in Dispute case. I told them it is clear, I should get reward.Every thing is very clear, Applies card in timely manner, spent required ( More than ) money.Even though they dont want to pay reward. 
With a full faith in this credit card company. 
I was victim, they dont care for XXXX  years senior citizens It looks like they dont want to keep their promises. 
I have my all documents with me. 
This should be published in the interest of US citizens. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Kindly delete this unauthorized account from my credit file, as it is not related to me. I also request an investigation to resolve any other discrepancies.

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please ensure the unauthorized accounts are blocked and removed from my credit report promptly. I did not initiate these accounts and do not recognize them. Under USC 1681g, I formally request their removal within 15 days. Supporting documents are included for your consideration.

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 2025-02-12 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: DE

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally report that I have been a victim of the Equifax Data Breach, which has exposed my personal and financial information, including my Social Security number, without my consent. This breach has put me at significant risk of identity theft, credit fraud, and other financial harm.

Since the breach, I have noticed unauthorized credit inquiries on my credit report that I did not initiate. Given that my Social Security number has been compromised, I am deeply concerned about fraudulent attempts to use my identity for credit applications and other financial activities. 

I am requesting immediate assistance with the following actions : XXXX. Removal of Unauthorized Inquiries I formally request the removal of all unauthorized credit inquiries from my credit report. These inquiries were not initiated by me and appear to be a direct consequence of the Equifax Data Breach. 
XXXX. Protection Against Social Security Fraud Guidance on securing my Social Security number, including whether a fraud alert or credit freeze would be appropriate in my situation. 
XXXX. Identity Theft Protection Resources Information on any programs or assistance available for individuals whose Social Security number and financial data have been compromised. 
XXXX. Monitoring and Disputing Fraudulent Activity Steps I should take to effectively monitor my credit, dispute fraudulent accounts or transactions, and prevent further damage to my financial standing. 
XXXX. Investigation into the Equifax Breach Any information regarding the actions the CFPB is taking to hold Equifax accountable and protect affected consumers.

I request written confirmation once my concerns have been addressed and the unauthorized inquiries have been removed. Additionally, please advise me on the best steps to ensure my Social Security number and credit profile remain secure. 

Thank you for your immediate attention to this urgent matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I request your help in looking into these accounts, as they have been wrongly reported with late payments. Upon checking my credit report, I discovered errors where late payments were incorrectly recorded. These accounts should not reflect any late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing the accounts and inquiries reported on my consumer credit file, as they are the result of fraud or a data breach. I demand verifiable proof, including my signature or electronic signature, for any alleged authorization. 

This letter is submitted personally, not through a third party, and I request that you review it carefully. I never authorized these actions, and their reporting constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) : Section 605B ( 15 U.S.C. 1681c-2 ) Requires the blocking of fraudulent or compromised information.

Section 604 ( 15 U.S.C. 1681b ) Governs permissible purposes for accessing consumer reports.

After contacting the reporting companies, I confirmed that these accounts and inquiries were added without proper validation or original proof. As I never authorized them, they are factually inaccurate and must be removed. The unauthorized reporting of my consumer information by creditors or third-party data furnishers is a direct violation of federal law. 

I request an immediate investigation and a written confirmation of the removal of these fraudulent items. Failure to comply may result in legal action to enforce my rights under the FCRA.

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am asking for your help in investigating accounts where companies have inaccurately reported late payments. After reviewing my credit report, I found that some accounts were mistakenly marked late. There should be no late payment remarks on these accounts.

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 2025-02-12 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
XXXX XXXX sent me a refurbished internet system ( which they had purchased on XXXX ) instead of the new one I paid for based on their website listing. They sent me a return label after I complained repeatedly but then never refunded the purchase price to my card. At XXXX  XXXX, I've been speaking by email and phone with XXXX XXXX XXXX who keeps making promises he doesn't keep -- like " your bank has been refunded '' or " I will send a receipt '' proving the refund has taken place -- ETC. I contacted my credit card company by email. So far no response, but the original payment was in XXXX XXXX.

Company response to consumer: Closed with non-monetary relief