vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX I AM A VICTIM OF IDENTITY THEFT SOMEONE ELSE STOLE MY PERSONAL INFORMATION TO FRAUDULENTLY OPEN ACCOUNTS IN MY NAME

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute unauthorized credit inquiries on my credit report. Upon reviewing my credit report, I noticed the following inquiries that l did not authorize. I did not apply for credit with these companies, nor did I give permission for them to access my credit report. Under the Fair Credit Reporting Act ( FCRA ), unauthorized inquiries must be removed from my 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 2025-03-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My information was involved and leaked in a data breach and I was a victim of XXXX XXXX  and the credit bureus will not remove collections and inquiries that do not belong to me. 
XX/XX/scrub>XXXX XXXX in the amount of {$250.00} I never had this electric company. I disputed the charges XXXXXXXX XXXX XXXX never heard of these company or did any business with them, amount {$1000.00}. I disputed with the credit bureaus

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 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My name is XXXX XXXX and Im a consumer submitting this complaint on the behalf of myself without any influence from any third party being involved.

Fraud has been committed on my consumer report, which violates the FCRA and FDCPA.

( MACYS/CBNA ) is using extortionate means to collect on alleged debt. I do not owe that result from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion.

This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ). 15 U.S.C.1692 ( G ) Section 809 ( B ).

THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210. 
This authenticated record must include all tax filings ( including all 1099s, 1096s, and 1098S ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party.

I have a right to this information, as its directly associated with the reporting activities This is also a NOTICE exercising my rights to prevent the processing of my personal data by ( MACYS/CBNA ). Please be advised that providing a memorandum or other statement from your agency, stating that ( MACYS/CBNA ) the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report. PLEASE BE ADVISED THAT YOUR ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA.

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 2025-03-18 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: PA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX XXXX XXXX XXXX INQUIRIES XXXXXXXX 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 XXXX 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 non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
I have tried several times to get on a biweekly payment schedule. Each time I submit the form with my VOIDED Check, the first time I was told I didnt give the process start date enough time to kick in so I needed to resubmit the physical form along with the voided check. I sent in the form a second time with another voided check, I was told I needed to cancel the autopayment I was on and submit an additional early payment which I did. 

I noticed the biweekly payment which should have occurred on the XXXX XXXX XXXXXXXX had not bee withdrawn from my checking account, I called and was told notes where there about my call into them on XX/XX/XXXX but they could not find my form with my VOIDED Check. When I spoke with someone from RoundPoint Mortgage on the XXXX of XXXX I was told they have my form and I needed to stop autopayment and make a payment at the end of XXXX so that the biweekly withdraws can start. 

When I called today to find out why the withdraw had not taken place I was told they didn't ' have a record and I needed to start the process all over again! 

I firmly believe RoundPoint Mortgage does not want me or possibly anyone in biweekly payments because it pays the loan down faster and they make less interest on the loan.

Getting on a biweekly payment schedule shouldn't be this difficult, there is no way to do it over the phone or online.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I have several unknown inquiries on my report. Some are even reported twice on the same date. i did not attempt these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: TX

Complaint narrative:
My accounts 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 to be removed/updated. 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. 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!

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 2025-03-18 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Movement Mortgage LLC
State: GA

Complaint narrative:
I was told I was behind on my mortgage by two months. I called XXXX XXXX and got caught up. I paid out of my iUSAA account XXXX. I was told I was put on automatic payments. I also was told select that I had my own insurance. He adjusted all fees and my paying ny own insurance through XXXX. 
About a week ago I get a call from movement mortgage saying my account is in default. I am shocked. They tell me my loan was sold and I had no idea. I never received any notice. via mail or electronic or XXXX XXXX call. They told me and confirmed they sent it t the wrong address. I said XXXX cant see anything online. Until I pay XXXX XXXX cant see anything. They wont listen. I showed them proof I was paying insurance and the said I owed XXXX more a month than my original loan. Nobody will show me anything and I keep getting different people who keep saying your in default and you dont have the right to any information. 
please help. I didnt catch it because I have XXXX claims from a hurricane XXXX XXXX XXXX XXXX 
No matter who I call even the original loan guy will help. I want to resolve it but I dont know how. I am in real estate for a living. I have several loans and mortgages and have never missed XXXX payment. Please help. The people living in this are XXXX and this also affects my ability to get loans. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Paramount GR Holdings, LLC
State: CO

Complaint narrative:
I had gotten solar panels through XXXX XXXX. They have changed names multiple times. They were also known as XXXX XXXX and XXXX XXXX. I co signed this loan with my ex girlfriend but Im the only one that pays the panels because they are installed at my house. I was approached by a door to door salesman and since I had a high energy bill I was promised saving on my energy bill. This never happened and I had a horrible experience with this company. The solar loan is through GoodLeap. When I got the panels installed they didnt even work for almost a year and it was almost impossible to get a hold of anyone. A month after I got the loan I was paying the panels and a high energy bill. I dont believe this company even exists anymore because I can never get a hold of anyone. I applied for the solar loan around XXXXXXXX XXXX XXXX. Ive payed the panels since because I didnt know what to do about it. I didnt want my credit to go down either and I dont want to owe in collections. I feel this company scammed me. I was offered free trimming service with my panel install and that never happened. It was an extra charge of XXXX of dollars. I still owe over XXXX $ on this loan and I cant keep paying the panels loan and my high energy bill. My energy bill comes out to over XXXX $ a month. Its insane. I havent tried to contact the lender because I feel they wont do anything about it. I would like to see what can be done with GoodLeap and if I can get away from this loan that isnt doing anything for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-03-18 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: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
I have several inquiries on my report within one year that i did not authorize and are unfamiliar

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
I have several inquiries on my report within one year that i did not authorize and are unfamiliar

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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:
I do not recognize this address please remove it thanks 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 2025-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Integrity Funding Ohio, LLC
State: TX

Complaint narrative:
Why they kept refinancing me every 3 payment but never issuing a loan for a different amount. Everytime I paid more than the minimum to try and pay it off they would redo my contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX ( XXXX  ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX {$16000.00}, XXXX XXXX  Balance {$470.00}, XXXX  XXXX Balance {$500.00}, XXXX XXXX XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XXXX XX/XX/year>

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 2025-03-18 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX ( XXXX  ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX {$16000.00}, XXXX XXXX  Balance {$470.00}, XXXX  XXXX Balance {$500.00}, XXXX XXXX XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
There are several violations that occurred. I have an active claim of exemption on my bank account with federal income which includes federal financial aid. 

XXXX XXXX XXXX : says the motion to revive should be filed after it expires 20 years. 

Two the debt was discharged in a class action suit against wellsfargo XXXX : XXXX XXXX XXXX XXXX XXXX. 

Documents exceed XXXX, final ruling was XXXX. 

Alabama judge needs interpretation regarding the ruling for the illegal repossession. 

I want this case dismissed in court based on California ruling it was an illegal repossession. I paid the principal off, the car was repossessed in XXXX. The car was sold in an auction. Additional payments were made under a settlement until the final judgment approving it was illegal repossessed. I am still waiting for my funds in this case. 

XXXXXXXX XXXX XXXX XXXXXXXX CASE : XXXX Attorney XXXX & XXXX XXXX al XXXX Wellsfargo illegal repossession XXXX XXXX debt collector

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 2025-03-18 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: FL

Complaint narrative:
My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These incorrect records are unfairly lowering my credit score, and I refuse to accept this damage to my financial reputation. 

The following late payment remarks require immediate correction : Company Name : XXXX XXXX - Account # : XXXX Company Name : XXXX XXXX - Account # : XXXX I have diligently maintained my financial responsibilities, yet these errors continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errorsany further delay will be seen as deliberate negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief