vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: PA

Complaint narrative:
In reference to CFPB complaint # XXXX To : Experian XXXX. XXXX XXXX XXXX, TX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX Date : XX/XX/year> Subject : Notice of Intent to Sue FCRA 605B and 1681n Violations Dear Experian, This letter constitutes my formal Notice of Intent to Sue under the Fair Credit Reporting Act ( FCRA ) for the following violations : 605B : Failure to block identity theft-related tradeline within 4 business days 1681i ( a ) ( 5 ) ( B ) : Illegal reinsertion of a previously deleted tradeline without certification or notice 1681n : Willful noncompliance with FCRA obligations On XX/XX/year>, I submitted a complete FTC Identity Theft Report, valid identification, and supporting documentation through CFPB Complaint # XXXX. These documents identified the XXXX XXXX  account ending in 6059 as fraudulent and requested its immediate and permanent removal.

Experian was required to block this tradeline within four business days, per FCRA 605B ( c ). You failed to do so. The account remains on my credit file without any consumer notice or certification of accuracy, violating 1681i ( a ) ( 5 ) ( B ).

Attorneys fees and court costs

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 2025-07-10 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:
I am writing to dispute a late payment entry that has been incorrectly included in my credit file. I have demonstrated a history of dependable financial behavior, and this entry does not reflect my actual payment pattern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: IN

Complaint narrative:
This false reporting is causing serious harm to my financial stability, directly impacting my ability to obtain credit, loans, and housing. The presence of unauthorized negative information on my credit report is both unfair and unjustified.

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 2025-07-10 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: ND

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
My student loan is set to pay monthly interest while I am still in school. I can not afford to pay these payments while I am a student. I have a few other loans which are correctly setup as full deferment. I have called multiple times and spoke to many different people and they all said I have no options.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am demanding the permanent deletion of these accounts and all related derogatory information from my credit reports with Equifax. The information being reported is inaccurate, incomplete, and violates my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). This furnisher has failed to provide adequate documentation that satisfies the verification and validation requirements under 15 U.S.C. 1681i, 1681s-2 ( b ), and 1692g. Continuing to report unverifiable or inconsistent data is a violation of federal law and exposes all parties involved to legal liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Dear Cfpb Recently, I applied for XXXX  discharge of my XXXX XXXX And i had problems paying for the loan, because i am XXXX and don't have enough money to pay my loan and my other bills Also, last week I tried to pay my loan, And XXXX  delayed taking money out of my account. 
Then, someone took money out of my account and my XXXX payment was returned

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: OR

Complaint narrative:
XX/XX/XXXX We met with a rep from XXXX XXXX. They sent our information to Mosaic so we could see what the payments would look like to see if it was financially feasible.

During the course of this, one of these companies requested opening of the loan on our behalf without our consent.

This was not identified until we tried to apply for a home loan and it was found on our credit. 
XX/XX/XXXX We have made attempts to contact Mosaic to request cancellation, with much difficulty ( as they are on a pause because they are filing bankruptcy ). Finally reached someone who told us they werent the ones with the loan, we had to ask XXXX XXXX to request a cancellationas no labor or services were ever exchanged and we did not move forward with the solar. We have a letter from the rep confirming we never had any work completed. 
XX/XX/XXXX XXXX XXXX  was contacted and reported they have sent the request to Mosaic, but it has been queued due to the pause and we have to wait until Mosaic is processing things again. 
Meanwhile this loan is showing on our credit. In good standing with an unchanged outstanding balance, and {$0.00} on time monthly payments for 11 months as of XXXX or XX/XX/XXXX no additional {$0.00} payments are posted. 
Disputes were filed with the credit companies, 1 answered with an unknown resolution, another responded with it was a confirmed debt and the other has not responded thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: NY

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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:
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. 

I would also appreciate your assistance in removing this fraudulent record from the public record as soon as possible. " I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY CREDIT REPORTS ''.

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 2025-07-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit XXXX , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-10 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: DE

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-10 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.

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: LA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I recently purchased a vehicle from XXXX XXXX XXXX on XX/XX/year> and financed the car through XXXX XXXX XXXX. A few weeks after the purchase, on XX/XX/year>, I received a XXXX XXXX XXXX credit card in the mail, issued by Comenity Capital Bank. I did not knowingly apply for or authorize a credit card application during the car buying process.

I first contacted the card issuer on XX/XX/year> via phone call. I spoke to XXXX and she told me should could not give me information on how the credit card was opened. That same day I went to the dealership directly and spoke to finance director, XXXX XXXX. I explained the situation to him and he told me that when financing with XXXX XXXX XXXX they automatically give customers with a qualifying credit score the credit card and that I did not have to activate it. The next day on XX/XX/year> I contacted the card issuer again via phone call. I spoke to XXXX who informed me that the dealership had submitted the credit card application the same day I bought my car. I requested the account to be closed. At no point during the car buying process was I told that I was applying for a credit card, nor did I consent to one being opened. I was not informed of the cards terms, interest rates, or any rewards program.

I am concerned that the dealership submitted this application without my clear, informed consent, which I believe may be deceptive and unethical. I am requesting : That the credit card account be closed immediately and to be marked as opened without full authorization.

That any hard inquiry or tradeline related to this account be removed from my credit reports.

That I receive written confirmation that this issue has been resolved and that it will not negatively affect my credit history.

I am also requesting that CFPB review this practice and ensure dealerships are not enrolling consumers in credit card products without proper disclosure and authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: PLANET HOME LENDING, LLC
State: CO

Complaint narrative:
My mortgage was transfered to Planet Home Lending. I was banking through XXXX for 3 years. XX/XX/XXXX, I attempted to pay my mortgage online with XXXX and was unable to make a payment. When I called the bank to find out why I could not make a payment, they told me I was being transfered to another bank. XXXX told me to get in contact with Planet Home Lending to make my payment. When I called Planet Home Lending, they told me I was not in their systems yet, to call back in a few days. I called Planet home lending XX/XX/XXXX, to make my payment. I was unable to make any payments because I was yet to be in the system. When I told the person on the phone I was nervous because I did not want any late fees because of this issue. She assured me that there would not be any late fees, that it was Illegal for them to charge me late fees within the first 60 days of the transfer. I called planet home lending XX/XX/XXXX to see if i was in the system yet and she said i was not in the system as of yet. I was finally able to get into the bank portal XX/XX/XXXX, which I saw they were charging me a late fee. I called the bank to ask why there is a late fee when it is within the first 60 days of the transfer. And the woman on the phone said it was from my old bank, XXXX. So I called XXXX and asked if I had any late fees or if they were charging me any late fees, they told me absolutely not, I do not have any late fees or they are not charging me any fees. So I called Planet home lending again and told them it was NOT my old bank. Planet home lending refused to look into the matter or help me out. They kept repeating that it was from my old bank. Which it wasn't. I talked to my old bank on the phone muliple times at this point to figure out where this late fee is coming from. I talked to muliple supervisors at XXXX AND Planet home lending. I went to see reviews on Planet home lending and I see that I am not the only one who has or is dealing with this exact same issue. This bank steals and lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: ND

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: AZ

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 2025-07-10 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: GA

Complaint narrative:
There are several inaccuracies reporting on my credit report that needs attention

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 2025-07-10 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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