vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 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: TX

Complaint narrative:
I recently discovered an inquiry on my credit report that I do not recognize or recall authorizing. I have never applied for credit with this company nor given consent for them to access my information. This unexpected and unauthorized activity has caused me significant concern and anxiety, as I take my financial privacy very seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Solar Mosaic LLC
State: GA

Complaint narrative:
Mosaic XXXX XXXX is charging me {$8000.00} for a XXXX   project that XXXX XXXX canceled and never completed. 

What happened : On XX/XX/XXXX, I entered into an agreement with XXXX XXXX for a XXXX XXXX, financed through Mosaic XXXX XXXX XXXX XXXX later canceled the project on XX/XX/XXXX, and no XXXX system was installed or services provided. 

I contacted Mosaic XXXX XXXX to remove the {$8000.00} balance from my account. A representative informed me they needed a cancellation letter from XXXX XXXX. I then contacted XXXX XXXX sales representative, who promised to resolve the issue upon returning to the office, but I never received any follow-up. 

I have repeatedly emailed both companies and even visited the XXXX XXXX warehouse in person. I spoke with XXXX XXXX, who promised to follow up with the corporate team, but I never heard back. Despite my repeated attemptsincluding calls, emails, and in-person XXXX continues to list {$8000.00} as an active loan obligation. 

I have emailed Mosaic several times, including today, XX/XX/XXXX, requesting clarification and resolution, but I have not received a response. I should not be held financially responsible for a loan tied to a project that was never completed. 

FYI : XXXX XXXX canceled the solar installation, claiming that my HOA did not approve the project. However, when I contacted my HOA, they confirmed that no one ever reached out to them regarding the solar request. I have attached text communications supporting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XX/XX/year>, I attempted to log into my XXXX credit card account, only to find my login and password were incorrect. I called XXXX and was asked a number of security questions to prove my identity. XXXX stated my information was incorrect and I needed to be verified, by mailing me an authorization code. I still do not have access to my XXXX account and I am working on this issue separately. However, this has led to the fraudster taking over of my Experian account. 

Since the fraudster has my DOB, SS #, and address, they were able to access my Experian Account using my credit, in an attempt to gain a loan. Once I obtained a copy of my Experian report, I contacted Experian ( via mail ) of all the credit inaccuracies which needed to be deleted. They obliged my request, but DELETED MY PHONE number. The result ; I am LOCKED OUT of my account. I am now being told there is an PIN # on my account.... nothing I placed. 

I have contacted Experian three times in the past 10-months and have had no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is not a mistake. My credit report contains inaccurate and unauthorized entries that are materially damaging my XXXX score and causing significant financial and emotional harm. I demand an immediate explanation of why these items were reported and who is responsible.

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 2025-10-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: MI

Complaint narrative:
My loan information is incredibly confusing. I've tried multiple times to work through it and start a repayment plan, but with the SAVE Act and other issues, it's never been straightforward or clear what and when I owe funds. I spend time on the phone with an ED Financial person on XX/XX/XXXX after a previous XXXX complaint and he said " I'm not sure why it's not showing up correctly '' and couldn't tell me exactly when or how much I owed. I was told to check back XX/XX/XXXX, and now it says payments start XX/XX/XXXX, that it's past-due and also that no payment is due. Screenshots attached for reference. 

I've tried my best to make sure I am making income-based repayments on time, but I'm never sure if I'm paying the right amount, when it is due, and how much interest I'm accruing. It's incredibly frustrating that the information is so hard to navigate and I'm not confident that the loan total is even correct. I think they've consolidated the loan with information from my parents ' loan when I was an XXXX almost 20 years ago. The total does not match my understanding of the total amount due. I need detailed receipts and itemization and they haven't been able to provide this despite multiple phone calls and requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo. Denying credit. 
XXXX price closing accounts and keeping balances XXXX XXXX -closing and kept balances Every major bank denying 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 2025-10-08 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:
Inaccurate information being placed on my report see attachments below.

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-08 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:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit 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 2025-10-08 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:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit 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 2025-10-08 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:
The bureaus are willfully complicit in aiding in fraud by reporting inaccurate information that I never consented to. They have not produced sufficient documentation including original signed contracts and itemized billing records violating these law codes : * * 15 U.S.C. 1681b * * You may not furnish or maintain data on a consumer report without a * * permissible purpose * *. I demand proof of such purpose.

* If an identity thiefs inquiry or account was not initiated by me, it has been obtained without a permissible purpose, making it unauthorized and not accurate in compliance with 15 U.S.C. 1681eb * * * 15 U.S.C. 1681s-2 ( b ) * * The furnisher of this data is obligated to conduct a reasonable investigation upon notice of a dispute and must * * delete * * any data that can not be verified as XXXX XXXX accurate.

* * 15 U.S.C. 1681i * * You are required to complete an investigation within * * XXXX  days * * of receiving this dispute. If the data can not be verified, you must * * delete it immediately * *. 

* * 15 U.S.C. 1681c-2 Blocking Information Resulting from Identity Theft Once I provide : * Proof of identity * A copy of an Identity Theft Report ( from the FTC or police ) * A written statement specifying the accounts in dispute The CRA must block the information within XXXX business days and stop reporting it to third parties. 

* * 15 U.S.C. 1681s-2 ( a ) ( 6 ) Duties of Furnishers Regarding Identity Theft * Creditors ( furnishers of information ) can not report information if they know or have reasonable cause to believe it results from identity theft.

* Once I send ID theft report, you must stop furnishing that information to CRAs.

Also in accordance with 15 U.S.C. 1681e ( b ) * The CRA is legally obligated to ensure the accuracy of your credit file.

* Reporting fraudulent accounts is a failure of reasonable procedures. 
* I have provided proof of identity theft ( FTC report ) * By law, they must delete this data promptly. 
XXXX. FCRA 609 ( 15 USC 1681g ) Right to Access Information- didnt disclose source Failure to comply within 15 days of receipt of this letter will result in my filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), FTC, and State Attorney Generals Office, and I will consider civil legal action under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance.

They are willfully complicit in fraud because I have disputed this before and these fraudulent items are still reporting despite proper documentation being available to them for removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: CA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : BANK XXXX XXXX - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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 2025-10-08 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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:
I am filing this complaint because I have discovered several unauthorized accounts on my credit report, which have been reported without my consent or permission. Despite previous attempts to resolve this, these accounts remain on my file, and I believe this to be a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) .XXXX Account Number : XXXX, XXXXXXXX Account Number : XXXXXXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX These accounts were reported without my authorization, violating 15 U.S.C. 1681b, which requires that information reported must be for a permissible purpose and with consent. Furthermore, the inclusion of these accounts violates 15 U.S.C. 1681e ( b ), which mandates that all information reported must be as accurate as possible. I have already disputed these accounts with the credit reporting agencies, but they remain on my file. Please note that the FTC site is unavailable, which is why I am unable to create an FTC Identity Theft report at this time. I am requesting the immediate removal of these accounts from my credit report. If the credit reporting agencies are unable to provide adequate verification, they are legally required to delete these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: LA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On about XX/XX/XXXX I'm mobile deposited a check and they were going to hold my funds and I needed the money so I deposited the same check into my other account knowing that only one would go through and it went through on my other account as presumed which I had done this in the past without an issue. But now they're trying to say I was doing fraud and they're holding my money that was in the account before the check even hit even though I never accessed any of the money from that check

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 monetary relief
Consumer complaint received 2025-10-08 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-08 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: IL

Complaint narrative:
An inquiry from XXXX XXXX XXXX came on my account with out my permission

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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:
I hereby challenge specific items on my credit history tied to accounts I never authorized. Kindly perform a detailed investigation and delete them. Relevant documents are enclosed.

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