vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse tem of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

-Delete the accounts-below : XXXX XXXX EXPERIAN

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: CA

Complaint narrative:
I am writing to formally dispute the 30-day late payments reported on my mortgage account and to request their immediate removal due to a series of servicer transitions and miscommunications during an approved hardship and loan modification process. 

On XX/XX/XXXX, I was granted a XXXX hardship forbearance by my then-servicer, XXXX XXXX, which was valid through XX/XX/XXXX. I also qualified for an additional two-month extension. However, in XX/XX/XXXX, my loan was sold to XXXX XXXX, who declined to continue the hardship assistance or offer any deferral options. 

I promptly applied for additional mortgage assistance. While my application was under review, I was explicitly informed there would be no negative impact to my credit during the review process. Unfortunately, despite this assurance, 30-day late payments were reported to the credit bureaus starting in early XXXX. 

XXXX XXXX later approved a XXXX trial modification, during which I made all required payments on time. After completing the trial, I was sent a permanent modification agreement to sign. However, before the modification was finalized, the loan was sold againthis time to XXXX XXXX. The modification approval and related records were not properly transferred to XXXX, forcing me to start the assistance process from scratch. 

Despite providing full documentation and contacting both the mortgage servicers and the credit bureaus, the erroneous late payments remain on my record. These derogatory marks do not reflect my payment history or intent. I have never been late on any other credit obligation, and I have acted in good faith throughout each step of this process. 

The reported lates are a direct result of loan servicer transfers, inconsistent communication, and administrative delays, not borrower negligence. I respectfully request that these late entries be removed from my credit file to accurately reflect my performance and integrity as a borrower.

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 2025-05-21 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: IL

Complaint narrative:
I am writing to formally dispute a public record that has been erroneously or fraudulently associated with my name and personal information. I believe that this record is inaccurate and the result of identity theft or other fraudulent activity. After reviewing the details of this record, I am certain that I have not been involved in the circumstances listed. It appears that my identity has been used fraudulently. I have taken steps to address this issue with the relevant authorities and will be filing a 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 non-monetary relief
Consumer complaint received 2025-05-21 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: SC

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-05-21 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:
I'm writing to dispute an item on my credit report that is incorrect and needs to be addressed immediately. After reviewing my report, I found information that either doesnt belong to me, is inaccurate, or was added without proper verification.

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 2025-05-21 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit 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 2025-05-21 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: NE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, California XXXX Subject : Formal Dispute of Unverifiable Late Payments XXXX XXXX Dear CFPB, I am writing to formally dispute inaccurate and unverifiable information being reported on my credit file under the account listed as XXXX XXXX XXXX 

Specifically, the report reflects late payments which I believe to be inaccurate and unverifiable. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting that you conduct a full investigation and remove these late payments unless XXXX XXXX can provide verifiable documentation proving their accuracy. 

Additionally, under 15 U.S.C. 1681s-2, furnishers of information, such as XXXX XXXX XXXX XXXX legally required to report only accurate information. Reporting unverifiable late payments violates this statute and is causing undue harm to my creditworthiness. 

Please consider this letter a formal dispute and request to : Investigate the account and late payment entries reported by XXXX XXXX. 
Require XXXX XXXX to provide sufficient evidence that substantiates these late payments. 
Remove the late payment entries if they can not be verified in compliance with the FCRA. 
Enclosed are a copy of my credit report with the disputed account highlighted, along with a copy of my identification for verification purposes. 

Please respond to my request in writing within the XXXX period allowed by law. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, California XXXX Subject : Formal Dispute of Unverifiable Late Payments XXXX XXXX Dear CFPB, I am writing to formally dispute inaccurate and unverifiable information being reported on my credit file under the account listed as XXXX XXXX XXXX 

Specifically, the report reflects late payments which I believe to be inaccurate and unverifiable. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting that you conduct a full investigation and remove these late payments unless XXXX XXXX can provide verifiable documentation proving their accuracy. 

Additionally, under 15 U.S.C. 1681s-2, furnishers of information, such as XXXX XXXX XXXX XXXX legally required to report only accurate information. Reporting unverifiable late payments violates this statute and is causing undue harm to my creditworthiness. 

Please consider this letter a formal dispute and request to : Investigate the account and late payment entries reported by XXXX XXXX. 
Require XXXX XXXX to provide sufficient evidence that substantiates these late payments. 
Remove the late payment entries if they can not be verified in compliance with the FCRA. 
Enclosed are a copy of my credit report with the disputed account highlighted, along with a copy of my identification for verification purposes. 

Please respond to my request in writing within the XXXX period allowed by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: PA

Complaint narrative:
Experian has failed to fully comply with FCRA 605B. I submitted a complete identity theft block request including my FTC Identity Theft Report, valid ID, proof of address, and a signed statement. While some fraudulent accounts were removed, Experian failed to block XXXX accounts that were clearly listed in my original submission. 
The unblocked accounts are : Bank XXXX XXXX | Amount : {$19000.00} XXXX XXXX  | Amount : {$19000.00} XXXX XXXX ( XXXX ) | Amount : {$25000.00} Experian was required by law to block all identified fraudulent information within 4 business days. Their failure to do so violates FCRA 605B ( c ) ( 1 ). I also demand proof that Experian contacted the FTC to verify my affidavit and disclose the name and address of any entity contacted to validate these accounts, as required under FCRA 611 [ 15 U.S.C. 1681i ].

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XX/XX/year> I reached out to Wells Fargo who is my mortgage holder to request information about getting an assumption due to my recent divorce. I needed to remove my ex-husband from the mortgage per our court paperwork. She quoted me $ XXXX in closing costs. I found that to be unusually high so I reached out to an acquaintance who has worked in the banking industry for many years for feedback. She also does assumptions for her bank and she informed me that her bank charges {$850.00}. She then called around to other banks to speak with former colleagues she used to work with at places like XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX who all quoted between $ XXXX for an assumption from start to finish. The only additional cost would be to complete a quit claim deed through the county which would cost between $ XXXX {$300.00}. A colleague of hers has been doing this work for over 30 years and has NEVER in his career heard of anyone being charged close to that much for an assumption. According to Illinois ' residential services fee schedule, they quote no more than {$1200.00} for an assumption. She encouraged me to call Wells Fargo back and request a break down of the costs of why they were charging so much so I did and they provided the information. I confirmed with my friend and she said they include everything Wells Fargo just mentioned except for the quit claim deed work so she was still astounded by the cost. Wells Fargo is unwilling or unable to adjust these fees despite the fact that several other banking institutions can do the exact same work for {$3000.00} less. Additionally after bringing this to the representative 's attention, he claimed there were other options if I wasn't happy about the cost however none are feasible. Due to my low interest rate of 2.3 %, it would be unethical for a banker to refinance my mortgage due to the current rate and how many years it would take to recoup the loss. I feel so stuck and exploited by Wells Fargo because there are no other options to handle this besides paying their predatory fees.

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 2025-05-21 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Received 6 credit that from Synchorony Bank. 
I've the cards over 10 year.thy fostly Accused The the later said. After a review of your account, Synchrony Bank has decided to close all my account. The reason for are discussion are listed below. 
Activity on accounts with Synchrony Bank indicated of high risk of failure to pay. 
If you have any question, please contact use Phone listed below.XXXX. Call them but thy hun up me .. on my credit report I'm good stand on all my accounts. 
Thank you, 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 2025-05-21 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I went to Best Buy to buy a computer. I went to pay with XXXX  XXXX. Ive been using XXXX  for many years. I never asked the cashier to run my credit for a credit card. I knew I wouldnt be eligible. Im to working on my credit. I was denied but it created a hard inquiry. I want that inquiry off my credit report. I didnt ask for a credit card.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally state that the presence of fraudulent accounts on my credit report is significantly affecting my personal and financial well-being. These accounts were opened without my knowledge or consent and do not reflect my financial behavior or responsibilities. 
As a result of these inaccuracies : I have been denied access to necessary credit and financial services. 
My credit score has been severely impacted, limiting my ability to secure housing, loans, or business funding. 
The ongoing stress and time required to dispute these accounts have taken a toll on my mental and emotional health. 
I am experiencing difficulty rebuilding my financial reputation due to actions that were not my own.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: CO

Complaint narrative:
On my XXXX  credit report it has my student loans duplicated. I have filed multiple disputes with XXXX, and they have yet to fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX BALANCED {$2000.00} XXXX XXXXXXXX BALANCED {$610.00} XXXX XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX BALANCED {$700.00} XXXX XX/XX/year>

Company response to consumer: Closed with explanation