vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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: FL

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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:
This filing a complaint is in reference to a previous dispute I submitted regarding inaccurate information on my credit report. I am writing to formally initiate a second-round dispute for the following account, which remains unresolved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$23000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$6000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$8800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$7600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$5600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items. The dispute items do not belong to me. Please block/remove these files. 
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 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 non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE
State: TX

Complaint narrative:
I still haven't been paid, I requested the check to be sent again in early XXXX, .and again early XXXX, and they're refusing to put a tracking number on the check being sent in the mail CFPB also closed the case when I still haven't been paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-19 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: FL

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4600.00}

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 2025-05-19 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My repeated efforts to address the fraudulent, inaccurate, and misleading information on my consumer report have gone unresolved, leaving me to endure profound impacts on my daily life. These unauthorized entries have generated significant stress and anxiety, especially troubling given that as an identity theft victim, I never consented to having this information associated with my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am submitting a follow-up regarding Experians handling of my dispute. Originally, they had until XX/XX/XXXX to complete the dispute per FCRAs timeline. However, they have now sent notifications saying the investigation will be completed on XX/XX/XXXX, and also separately sent a notice that they are initiating a new 30-day investigation, which I did not request. This creates confusion and appears to be a stalling tactic.

I have already submitted two written disputes and two phone disputes for this same account. Experian has failed to verify the account with any original documentation or contracts from the original creditor and has provided only generic responses. 

Furthermore, Experian previously updated personal identifying information without my consent, tying it to this disputed account. This is a violation of my rights under FCRA Sections 616 and 617, which hold them accountable for willful and negligent noncompliance.

I am requesting the CFPB hold Experian accountable and ensure the immediate deletion of this unverifiable and disputed account 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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
There are several inaccuracies across the board of all credit reports. The creditor in question is Regions BankXXXX XXXX XXXX XXXXXXXX. charged-off account has several inaccuracies such as XXXX  report for XX/XX/year>XXXX  is showing delinquent by 30 days when on XXXX and XXXX  XX/XX/year>XXXX  reports OK -paid as agreed. Payment history is incorrect please update. 
XXXX  report shows late payments from XX/XX/year>XXXX  to XX/XX/year>, per report late payments was never late according to XXXX  and XXXX  report. there are no consistency with amongst all three credit reports and based on FCRA I have a right to have all discrepancies corrected on 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 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: MN

Complaint narrative:
Have been I us bank customer for XXXX  years I recently got scammed on a XXXX motor payed for out of my checking account to this company XXXX XXXX XXXX XXXX XXXX XXXX.I have all receipts and proof was all paid for and not received my banks claiming I benefited from this transaction I dont see other then donating XXXX dollars to this XXXX  company worst of I was contact by this company thru made in XXXX who also has buyer protection both denying my also Im so frustrated Im hoping this place will be able to help I do have all the evidence hope to hear from someone soon Ty 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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-05-19 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-19 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

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 2025-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
On XXXX  my bank account was levied for a balance that I owed to a credit card. I called they took the money and set up payment arrangements to handle the rest of the balance. After my husband calls me very angry because he didnt have access to his money. The bank told him his account was levied because of my debt. I contacted the office who holds my debt and they told me he could email his statements for them to review. On XXXX  my husband emailed the statements and they are still holding his money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In XXXX, I reported a name change to the credit bureaus. To facilitate updating account information, I mailed my driver 's license, utility bill, social security card, name change court document. In XXXX, Equifax failed to update my account with the correct name. I talked to customer service and they requested I send in the same documents. So, I sent in the same documents. By XXXX, I realized Equifax was incapable of applying self identifying documents to the correct account. I talked to customer service, explained the situation and was told to send the documents in to their office. So, I sent in the same documents. In XXXX, Equifax still hasn't complied. 

After two CFPB reports, Equifax sent a letter dated XX/XX/XXXX that reads, " We received your request regarding your Equifax credit file. However, we were unable to locate a credit file for you for one of the following reasons : -you have not applied for credit -you have not actively used credit in the past ten years, or -you have not lived in the United States or have not been issued a U.S. Social Security number '' And then they proceed to ask me for the same documents that I already sent to their office XXXX, XXXX, XXXX. 

It is clear to me that they do not know how to change an existing consumer 's report. They are trying to create an entirely new account with no credit history. Is there anybody human working in their office? Is there a supervisor that can review this report? 

Equifax should be embarrassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: TN

Complaint narrative:
I am writing to inform you that my Social Security number was compromised as a result of a data breach. Consequently, fraudulent accounts and inaccurate information have been reported on my credit file. I have filed a formal complaint with the Federal Trade Commission, which is included at the end of this letter for your reference. 

I am aware that consumer reporting agencies may delay or disregard dispute requests based on the assumption that the communication was prepared with assistance from a third party, such as a credit repair organization. However, the Fair Credit Reporting Act ( FCRA ) clearly affirms that consumers are entitled to seek help in exercising their rights, and such assistance does not provide a lawful basis for delaying or denying a valid dispute. 

Please be advised that any correspondence submitted under my name was created with my full knowledge and authorizationwhether written by me personally or with the support of advisors acting on my behalf. Any unwarranted delay or failure to investigate and correct inaccurate information, as required under the FCRA, will be regarded as a willful violation of my rights. 

I respectfully request that you address this matter with the urgency and legal compliance it requires.

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 2025-05-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FREEDOM FINANCIAL NETWORK
State: NY

Complaint narrative:
I was never told my credit was going to be ran and that it was going to be a hard pull the company never told me they were running my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: HI

Complaint narrative:
The company is reporting false information to the credit reporting agencies, which appears to be the result of fraud or identity theft potentially linked to a data breach. 

I am a XXXX XXXX XXXX XXXX and have contacted both the company and the credit bureaus to dispute the information. Despite multiple requests and being informed of the harm they are causing, the inaccurate information continues to be reported. 

I respectfully request that this be investigated and that the inaccurate information be removed from my credit reports. 

Supporting documents will be provided upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: NY

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Sunlight Financial LLC
State: FL

Complaint narrative:
In early XXXX, I entered into an agreement with XXXX XXXX to install solar panels on my home. XXXX XXXX represented that I would receive a fully functioning solar energy system that would reduce my electricity bills. After the installation, I discovered the panels were either non-operational or fake they do not produce electricity and have never worked properly. 

Despite contacting XXXX XXXX multiple times throughout XXXX and XXXX, the issues were never resolved. Later, I learned that Sunlight Financial is the financing company that took over the account and began billing me monthly for the non-functioning system. 

I never agreed to be billed for a product that doesnt work, and I consider the financing to be fraudulent. I contacted Sunlight Financial and requested they remove this loan from my credit report and stop billing me. They have refused to do so, despite being provided documentation showing the panels do not function as promised. 

To date, I have made XXXX  monthly payments of {$230.00}, totaling {$5000.00}, for a system that does not work and provides no value. This has caused significant financial strain. 

To support my claim, I have attached the original contract and a record of my month-to-month electric bills, which clearly show there has been no reduction in energy usage or cost proving that the solar system is non-functional. 

This situation has caused financial harm and negatively impacted my credit. I am requesting that this fraudulent loan be removed from my credit report immediately and that all future billing be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to 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 non-monetary relief