vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: MA

Complaint narrative:
On XX/XX/year>, I visited XXXX of XXXX XXXX for the purpose of purchasing a vehicle. At that time, I had a {$62000.00} pre-approval letter through XXXX XXXX XXXX XXXX, which I fully intended to use. However, I was persuaded by the sales staff at the dealership to allow them to seek a better deal by shopping my credit around to their lenders and I was explicitly assured that only XXXX consolidated inquiry would be made and appear to facilitate this process. Contrary to their promises multiple inquiries were submitted to various third-party lenders without my knowledge or signed authorization. This conduct not only violated federal laws but also directly damaged my credit profile- resulting in the devastating loss of funding for my dream home. After several days of delays and no improved offers I ultimately used my original XXXX XXXX pre-approval, which made the numerous hard inquiries completely unnecessary, deceptive, and harmful.

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 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America limited access to my main bank account because it claimed my wife 's account had been compromised and that BOA was conducting a fraud investigation. They allowed my deposits to come in and allowed the debits to show paid as usual, only to wait several days to return the payment request as insufficient funds, while keeping all of my funds in the account. Even though these were regularly scheduled debits, such as life insurance, credit cards, investments, and car payments. These were not irregular payments to unknown companies but essential financial responsibilities.

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 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Netspend Corporation
State: TX

Complaint narrative:
I had an account that had multiple ATM debits performed without my authorization or knowledge. After months of dispute cases they credited me for case # XXXX. So there were more ATM debits transacted the same way. I was patient and filed disputes to recover the social security benefits that were debited while hospitalized. I was not able to function much less do any transactions. The additional 2 dispute claims # XXXX and # XXXX should have been credited because of same activity. The only progress was made when a netspend representative called harassing and badgering me about activity. I wrote many appeal letters and requests. They are just violating rights because they closed account and made it impossible to get statements. I have lost state benefits due to netspend XXXX  not providing financial transactions. 
I request a total of {$1600.00} for the two claims and {$420.00} overdraft fees. I am elderly and XXXX. I am facing eviction due to the theft of my benefits

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply 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 2025-05-07 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, D.C. XXXX Subject : Complaint Against Experian Regarding Inaccurate Credit Reporting and Violation of the FCRA Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Experian for reporting inaccurate information in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information they report. 

Nature of the Complaint : XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX is reporting a date of first delinquency on the above XXXX XXXXXXXX accounts that does not match my records. This discrepancy is negatively affecting my credit profile and overall creditworthiness. 

Despite submitting disputes directly to XXXX XXXX and the credit bureaus, the inaccurate information remains unchanged. This failure to correct the error suggests a lack of reasonable procedures to maintain the accuracy of consumer data, as required by 15 U.S.C. 1681e ( b ). 

Furthermore, I am aware that the CFPB has initiated legal action against Experian, which adds to my concerns about their ongoing noncompliance with federal consumer protection laws. 

My Request : I am requesting a full investigation into Experians handling of this account and the accuracy of the reported delinquency date. 

I am also requesting full disclosure of the XXXX XXXX XXXX ( XXXX ) of my profile. 

I trust the CFPB will ensure that Experian is held accountable under the law and that my rights as a consumer are fully protected. Thank you for your 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 2025-05-07 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-07 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-07 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: CT

Complaint narrative:
I was misled by a solar sales representative who stated I would receive a $ XXXX {$23000.00} tax credit and would need to pay that to the lender ( Mosaic ) to maintain my monthly loan payments. However, I later found out that I do not qualify for the full credit due to my actual tax liability. Mosaic is now expecting this repayment regardless, which will cause my monthly payments to increase significantly. 
The sales rep told me via text that I would qualify for the full 30 % federal tax credit based on my income. He did not disclose that the credit is non-refundable and depends on my actual tax owed. I entered this loan under false information. When I raised this with Mosaic, I requested they honor the current monthly payments without requiring the $ XXXX {$23000.00} repayment. Mosaic responded once with only a copy of my loan agreement and has ignored all follow-up communication. 

I believe this was deceptive and unfair. I am requesting that Mosaic waive the tax credit repayment condition and keep my monthly payments as originally quoted, or modify the loan terms to reflect the actual tax situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: VI

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 2025-05-07 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: IN

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: LA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: GA

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute an account on my credit report that is inaccurate and unauthorized. The account in question is listed as follows : Disputed Account : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Status : Closed {$60.00} past due as of XX/XX/XXXX Balance : {$580.00} Credit Limit : {$300.00} I did not authorize this account, and I dispute both the accuracy and validity of the reported information. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b ( 2 ) and Section 605B, it is illegal to furnish or report information on my credit report without proper authorization.

I demand that this account be investigated and removed immediately from all records and reporting agencies. Please provide written confirmation of the deletion or results of the investigation within the legally mandated timeframe.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX of Birth : XX/XX/XXXX SSN : XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I paid off a debt through my regular monthly payment. It wasnt late just PAID on TIME it decreased from {$34.00} to {$59.00}. My credit score decreased by XXXX points, WHY. I wasnt late, it was paid on time and my score dropped by XXXX points for no reason. Please explain how this is even possible. I pay my bills on time and my score drops XXXX points with the only explanation is I paid it on time and paid the balance down. Please make this make since because I work hard to make sure I pay my bills to keep my score high and it drops because I paid it down and on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: Harris & Harris, Ltd.
State: FL

Complaint narrative:
The company name is XXXX and the debt collector is Harris and Harris ( original creditor ). This account was opened XXXX I did not have XXXX XXXX at my home and would like the charges removed from the account for the amount of {$640.00}. 

I am requesting that this item be thoroughly investigated and immediately removed from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ), Section 611, which gives consumers the right to dispute any information believed to be inaccurate or incomplete. 

Attached are copies of documents supporting my identity, including : Proof of address ( utility bill, bank statement, etc. ) and the date from which I lived into this address. Where it shows I have lived at my address since XXXX and currently still living here. I have had an injunction and been out of the address listed since XXXX and Finalized Divorce XX/XX/24.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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:
My identity was stolen and the following accounts are not mine and are unauthorized : XXXX XXXX.Account Number:XXXX XXXX XXXX XXXXAccount Number:XXXXXXXX XXXX XXXX XXXX.Account Number:XXXX XXXX XXXXXXXX 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 2025-05-07 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: SC

Complaint narrative:
My identity was stolen and the following accounts are not mine and are unauthorized : XXXX XXXX.Account Number:XXXX XXXX XXXX XXXXAccount Number:XXXXXXXX XXXX XXXX XXXX.Account Number:XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: TN

Complaint narrative:
I am filing a complaint to formally dispute inaccurate and/or unverifiable information that appears on my credit report maintained by your bureau. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 [ 15 U.S.C. 1681i ], which gives me the right to dispute any information that I believe is inaccurate, incomplete, or can not be verified.

After carefully reviewing my credit file, I have identified the following account ( s ) that I believe are being reported in error or without proper validation : Disputed Item : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4600.00} XXXX XXXX XXXX XXXX/2024 XXXX XXXX XXXX/2024XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: OH

Complaint narrative:
I am filing a complaint to formally dispute inaccurate information listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information I believe to be incorrect or unverifiable. 
Please find below the information I am disputing : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX * Balance Owed : {$720.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX * Balance Owed : {$100.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
The following inquiry was not and should not be reporting. 
EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: MI

Complaint narrative:
I am submitting this complaint to report non-compliant and unauthorized reporting practices by the NCTUE XXXX XXXX XXXX, which has impacted my credit file and overall consumer profile. I formally submitted a dispute on XXXX XXXX XXXX challenging the reporting of multiple accounts, inquiries, and personal identifiers that were either unverifiable, inaccurate, or indicative of potential fraud. These include : Disputed Personal Information Incorrect Name : " XXXX XXXX '' instead of " XXXX XXXX XXXX '' Incorrect DOB : Reported as " XXXX '' without full date of birth Incorrect Address : Misreporting or misassociation with address " XXXX XXXX XXXX XXXX XXXX XXXX  '' without substantiation These constitute violations of 15 U.S.C. 1681e ( b ) and 1681i ( a ) ( 1 ) due to failure to maintain accuracy and reinvestigate disputed personal data. 

Unverifiable or Potentially 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 Despite my request for proper verification, no legally compliant documentation or XXXX XXXX response was provided. This violates : 15 U.S.C. 1681s-2 ( b ) Failure to investigate disputed data 15 U.S.C. 1681i ( a ) ( 5 ) Requirement to delete unverifiable information CRRG Metro 2 standards Inadequate field formatting and status codes Inquiries Without Permissible Purpose XXXX XXXX XX/XX/XXXX and XX/XX/XXXX These inquiries lack legal basis and constitute violations of 15 U.S.C. 1681b. I never authorized access to my credit file for these entries.

Company response to consumer: Closed with explanation