vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 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: NV

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-17 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: PR

Complaint narrative:
I am formally submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to request corrections and updates to my personal information as reported in my credit file. Upon reviewing my recent credit report, I have identified inaccuracies in my personal information that require immediate correction.

Under my rights granted by the FCRA, I request that you investigate and make the necessary modifications within 30 days from the receipt of this letter. 

Incorrect Information Requiring Correction : XXXX. Name Correction : My legal name is XXXX XXXX XXXX, but my credit report incorrectly lists it as : XXXX XXXX XXXX XXXX XXXX I request an immediate update to accurately reflect my legal identity. 
XXXX. Address Update : My current residential address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
However, my credit report still reflects outdated and incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since outdated addresses can cause identity verification issues and potential fraud risks, I request that all previous addresses be removed and only my current address be retained. 
Supporting Documentation : To verify the accuracy of the information provided, I am enclosing the following documents : A copy of my drivers license or passport displaying my correct legal name. 
A recent utility bill or bank statement confirming my current address. 
A copy of my phone bill or any other official document verifying my updated contact number. 
Legal Basis and Request for Confirmation : According to FCRA 15 U.S.C. 1681i, Experian is required to investigate and correct any inaccurate information within 30 days of receiving this request. 

Therefore, I formally request written confirmation once the corrections have been made, along with an updated copy of my credit report reflecting these changes. 

If this matter is not resolved within the legally mandated timeframe, I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary. 

I appreciate your prompt attention to this matter and look forward to your written response as soon as possible.

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 2025-02-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On my credit report, it shows that on XX/XX/XXXX a fraudulent account was opened with Bank of America using my information. The account is not mine! According to XXXX, the account currently has a balance of {$2300.00}. Furthermore, the account is in delinquent status because the account is past due over 60 days. The account is reflecting negatively against my credit score. On XX/XX/XXXX at XXXX XXXX  PST, I contacted Bank of America and they informed me that according to their records, there is no account with my social security number nor with my name. I requested a letter stating there is no account belonging to me as listed on my XXXX credit report and they said one could not be provided according to their policy since there is no account in my name. After doing some research on what steps to take in a situation like this, on XXXX XXXX, XXXX, I disputed the fraudulent account with XXXX. XXXX did not remove the fraudulent account from my credit report. I then contacted Bank of America again on XX/XX/XXXX at XXXX PST in attempts to resolve this issue again. Bank of America once again informed me that according to their records, there is no account with my social security number nor with my name. Again, I requested a letter stating there is no account belonging to me as listed on my XXXX credit report and again they said they could not provide one according to their policy since there is no account in my name. I was advised to visit a local branch to see if the branch could provide a letter stating that there was no account in my name. On XX/XX/XXXX, my wife and I, arrived at a local Bank of America branch at XXXX PST to request the above mentioned letter. However, again, we were told that they could not provide a letter according to their policy since there is no account 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 non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Mortgage — Conventional home 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: Selene Holdings LLC
State: UT

Complaint narrative:
I was finished making my final trial payment to XXXX XXXX home preservation department and they sold my mortgage to Selene finance. I have been waiting for the final terms to be written and its for {$250.00} more monthly than XXXX XXXX set my payment to be. Selene first said it was because of a {$910.00} escrow shortage but then said I was 10 payments behind! I have had to pay the home preservation department directly during my trial periods and so I wanted to know where that money went and they refuse to answer or have a supervisor call me to straighten it all out. I have documents from XXXX XXXX stating what my payment should be but Selene does not care to hear it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: MI

Complaint narrative:
I recently obtained a my Experian credit report and noticed the following account : XXXX XXXX XXXX XXXX XXXX I WOULD LIKE A re-investigation of this account XXXX theyre still inaccurate data. Please support all findings with data and documents to back up your claims. 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 explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sezzle Inc.
State: PA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate reporting of a credit report. The account Sezzle account number ( XXXX ) has been incorrectly reported as a charge-off while still reflecting a balance, which is inconsistent with accurate credit reporting standards. Additionally, a past-due balance is being reported, despite the account already being classified as a charge-off. This misrepresentation is a violation of credit reporting laws, as furnishers are required to provide complete and accurate information. I have previously disputed this account with XXXX, but they failed to conduct a proper investigation and denied my request for correction. Furthermore, I have been informed that the CFPB has filed a lawsuit against XXXX for accepting unreliable information and failing to notify consumers of dispute results. My situation aligns with these concerns, as XXXX has neither corrected nor removed the inaccurate information from my report. Due to these reporting errors, my credit score has been negatively impacted, affecting my ability to secure essential financial opportunities, including [ a mortgage, auto loan, personal loan, etc. ]. I request that your agency reinvestigate this matter thoroughly and ensure that the inaccurate reporting is corrected or removed immediately. XXXX violates my rights as a consumer, as well as federal laws. I appreciate your prompt attention to this matter and look forward to communicating in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Im writing out of sheer frustration because Ive noticed consistent inaccuracies in my report that are seriously impacting my scores. These errors arent just numbers on a page; theyre affecting my future opportunitieswhether its access to better financing options or even job-related prospects. Its exhausting to keep seeing mistakes that Ive had no control over damage my credibility and limit my progress. Ive worked too hard to let incorrect information pull me backward.

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 2025-02-17 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: SC

Complaint narrative:
The following companies are reporting hard inquiries on my credit report : 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 2025-02-17 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failed align with my experiences, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts as Experian 's inaction violates Federal Law and my rights as a consumer. 

I am a victim of identity theft and data breach and I am requesting per 15 USC 1681c-2 ( a ) the following accounts be blocked and removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RUOFF MORTGAGE
State: IN

Complaint narrative:
Ruoff Mortgage did not pay XXXX XXXX for homeowners ' insurance premiums that were being escrowed. XXXX XXXX sent Ruoff Mortgage multiple billings and Ruoff Mortgage did not pay. Ruoff Mortgage continued to bill borrower monthly for homeowners ' insurance, but did not pay XXXX XXXX for homeowners ' insurance coverage for the period of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
XX/XX/year>. Received 5 phone calls from Wells Fargo bank. Saying there were fraud attempts with my SS number. Several calls not coming from US. Requesting additional personal information. Think this is either fraud from Wells Fargo or other source of 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 2025-02-17 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:
I'VE BEEN A VICTIM OF IDENTITY THEFT. THESE ACCOUNT ARE AFFECTING MY REPORT SO BAD, I WANT PLEASE TO GET THEM BLOCK.

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 2025-02-17 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: CA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted 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 2025-02-17 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: NC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-02-17 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I didnt authorize Navy Federal to put anything on my credit report. XX/XX/XXXX and XX/XX/XXXX I received a email stating I needed to update my mailing address. I never received an opt out or a disclosure mailing. I still have funds inside of the account but I lost personal belongings and were unable to find card. 
I would like NAVY FCU Inquiry : XXXX XXXX, XXXX removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
XXXX has failed yet again to remove another inaccurate account from my credit report. I want an explanation explaining the steps they used to verify this accounts accuracy, because I believe they are doing incomplete, inaccurate, and even some would say " fake '' investigations. I sent in all proof of the inaccuracies to XXXX and the CFPB and would need this account removed immediately. This account is also now being put under litigation because XXXX is not showing any fairness to its consumers. 

Account in reference : The dispute for the account with XXXX XXXX XXXX that starts with XXXX has been received and should be completed by XXXX. 

Source : Experian Date Submitted : XX/XX/year> Estimated Resolution Date : XX/XX/year> Report Number : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation