vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 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: TX

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-20 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 fraud please assist as I have been trying unsuccessfully

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
REPORTING INFORMATION ON A CONSUMER 'S CREDIT REPORT WITHOUT THEIR WRITTEN CONSENT IS IDENTITY THEFT. I DID NOT GIVE ANYONE WRITTEN OR VERBAL PERMISSION FOR THEM TO PLACE SUCH INFORMATION ON MY CONSUMER REPORT BECAUSE MY PRIVACY RIGHTS HAVE BEEN VIOLATED. I AM DEMANDING THE COMPANY BLOCK AND REMOVE THE ACCOUNT FROM MY CONSUMER REPORT NO LATER THAN XXXX BUSINESS DAYS AFTER SUCH INFORMATION I'VE PROVIDED. ACCOUNTS : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
I am writing you about the the Fraudulent use of my social security number due to the XXXX XXXXXXXX breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint XXXX XXXXXXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth so there will be no discrepancy on the fraudulent accounts listed by me. The information below, which appears on my credit report, does Not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. 
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 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 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 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 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 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 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 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
MONTEREY COLLECTION XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research MONTEREY COLLECTION XXXX XXXXs a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: OH

Complaint narrative:
I have XXXX simple request. Coud u remove certain items from my report? u will understand when you check out the report that u received. There's been identity theft, and those items aren't mine, so I wuld really apreciate it if u could have them removed from my credit report in a hurry. I've already made it all official at the Federal Trade Commission and sent them copies of the Identity Theft Affidavit. Just take those items off, please, as soon as you can.

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 2025-06-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC
State: TX

Complaint narrative:
I entered a solar loan agreement with Solar Mosaic LLC ( Loan # XXXX ) on XX/XX/year>2022, based on promises that the system would reduce or eliminate my electric bill. Since installation, I have seen no meaningful savings and am paying both the loan and my regular electric bill. 

Additionally, I was forced to spend {$6000.00} out-of-pocket to remove and reinstall the panels during a necessary roof replacement a cost I was never warned about. The loan payment has increased to {$150.00} monthly, creating serious financial stress. 

I am filing this as part of Mosaics XXXX  XXXX bankruptcy, but I want the CFPB to record this complaint due to misleading practices and lack of loan value.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent account on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that TransUnion remove all the fraudulent account from my file that were opened without my permission. Please see the listed account below that require removal. 
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 non-monetary relief
Consumer complaint received 2025-06-21 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: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a XXXX bureau table. Please assist me in getting this issue 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 explanation
Consumer complaint received 2025-06-21 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
b'Saw a charge on my account for the amount of XXXX so i filed a dispute XXXX open dispute claim XXXX for amount of XXXX got  email notification that dispute is being worked XXXX got email notification that dispute has been declinedXXXX  called dispute to reopen dispute requesting for physical documents of chargeXXXX Care credit started card stolen and close the account ending in XXXX called to check status, and they stated that dispute has been closed and payment correction has been adjustedXXXX received a refund check of XXXX and reconfirmed that everything has been closed and completed and case is closedXXXX- logged into account and saw that charges of XXXX has been recharged onto the accountXXXX-got email notifying that dispute was declined and charges is now reflecting on new account XXXX but I never knew that dispute had been reopen.  I have requested a few times for physical documents of proof and have still yet to receive it til this day. XXXX- mailed out a letter for a reversal of charges due to inconsistency of communication and stated that the case was closed in previous email. The letter is on work laptop. XXXX received an email at XXXX stating that they received  the dispute message that they are reopening dispute and working on it XXXX received an email from synchrony stated that they are working on dispute claim # XXXX received an email from synchrony stated that dispute has been closed but never sent me the evidence and proof that i have requested. Told me i was still responsile for the charges XXXX filed complaint with Arizona Attorney General Confirmation # 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 2025-06-20 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: DISCOVER BANK
State: WA

Complaint narrative:
Received a charged-off payment status on my credit report by DISCOVER credit card. They never sent me a XXXX so I could write it off as income. But theyre still reporting it as if I owe the balance. Im requesting a copy of the XXXX that I did not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
FTC REPORT NO : XXXX Subject : Formal Dispute of Inaccurate Credit Information Under FCRA To Whom It May Concern, I am writing to dispute the accuracy and validity of certain accounts currently being reported by BANK OF AMERICA credit file. This letter serves as a formal dispute pursuant to my rights under the FAIR CREDIT REPORTING ACT ( FCRA ), specifically under 15 U.S.C. 1681i, 1681s-2, and 1681e ( b ). 
The accounts I am disputing are as follows : BANK OF AMERICA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} BANK OF AMERICA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}

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 2025-06-20 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: PA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: PA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
REPORTING INFORMATION ON A CONSUMER 'S CREDIT REPORT WITHOUT THEIR WRITTEN CONSENT IS IDENTITY THEFT. I DID NOT GIVE ANYONE WRITTEN OR VERBAL PERMISSION FOR THEM TO PLACE SUCH INFORMATION ON MY CONSUMER REPORT BECAUSE MY PRIVACY RIGHTS HAVE BEEN VIOLATED. I AM DEMANDING THE COMPANY BLOCK AND REMOVE THE ACCOUNT FROM MY CONSUMER REPORT NO LATER THAN XXXX BUSINESS DAYS AFTER SUCH INFORMATION I'VE PROVIDED. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: OH

Complaint narrative:
Dear CFPB Representative, I am writing to file a formal complaint regarding the unauthorized and improper use of my personal information and credit reports. I recently obtained a copy of my experian credit report and discovered entries and activity that I did not authorize, including the appearance of accounts and inquiries that I have no knowledge of or relationship with. This is not only a violation of my privacy but also detrimental to my credit health and overall financial well-being.

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 2025-06-21 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 am submitting a formal identity theft complaint. I have filed an FTC Identity Theft Report and provided supporting identification documents. There are multiple unauthorized hard inquiries and two fraudulent accounts on my credit report that I did not authorize or initiate.

These items are the result of identity misuse and must be removed under FCRA Section 605B. I am requesting that all unauthorized entries be permanently deleted based on the evidence provided.

Please process this request accordingly and confirm that these records will be removed.

Fraudulent Accounts : XXXX XXXX Account number : XXXX. 
XXXX XXXX Account number : XXXX. 

Inquiries to Remove : Experian : XXXXXXXX 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 2025-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit file contains unauthorized accounts that I did not request or approve. These accounts are not linked to me and represent fraudulent activity. I am not responsible for these debts. Please delete these entries immediately under the guidelines set forth in 15 U.S. Code 1681g. I expect this correction to be made within 15 days. Supporting documents are attached for review.

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 2025-06-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
A XXXX collection account is being inaccurately reported by XXXX XXXX XXXX XXXX XXXX XXXX on my credit reports with XXXX XXXX XXXX. The account is listed as " Date Opened : XX/XX/XXXX '', but the original XXXX account associated with this collection was opened in XXXX and closed years before XXXX. 

I disputed this error multiple times directly with the credit bureaus, but the information remains unchanged. The collection agency appears to be re-aging the debt, which misrepresents its age and negatively affects my credit. 

In XX/XX/XXXX, I opened a new XXXX account in good standing. This proves I have no ongoing delinquency with them. XXXX has continued to report the incorrect open date despite being made aware of the issue through disputes. 

I am requesting that the account be corrected with the accurate date or removed entirely from my credit reports if they can not verify and report it correctly.

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 2025-06-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC
State: TX

Complaint narrative:
Applied for a loan modification XX/XX/year>, was approved for a trial with first payment due XX/XX/year>, was XXXX XXXXXX/XX/year> contacted servicer 3 times in XXXX to immediately let them know I was unable to make payment and ask for new modification. The representative I spoke with told me I could still make the payment as long as it was in the same month. I was unable to have access online to make the payment on XX/XX/XXXX. Payment was missed. I contacted them again XX/XX/year> to be reconsidered for reinstatement. They would not allow me to speak with a supervisor. I resubmitted another modification that was denied. Under 12 CFR 1024.41 ( h ) and 1024.35, I am requesting a formal review of the denial of my loan modification reinstatement request. I notified the servicer immediately after missing the first trial payment due to a temporary hardship. I am now financially stable and request that the decision be reviewed by personnel not previously involved, as required by Regulation X.

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 2025-06-21 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: TN

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: TN

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
The American Express bank canceled a credit card payment from the checking account. They charge the return fee. I received the credit card on XX/XX/XXXX. They provided a 0 % XXXX XXXX for XXXX months. But they charge an interest fee on XX/XX/XXXX.

Company response to consumer: Closed with explanation