vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 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:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} Late/Open XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$5400.00} Late/Open Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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 listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} Late/Open XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$5400.00} Late/Open Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: NV

Complaint narrative:
original creditor is XXXX XXXX. 
I previously disputed this account stating : XXXX never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OH

Complaint narrative:
am writing today because it has been a month and you have not given me my temporary credit from the dispute/rebuttal in fact I have spoke to XXXX different agents including member service and dispute. You have given me XXXX different days I will receive the credit and sent the same email denying the credit the same day or the day before it is to be released You sent a card out to a different address then what is on file. You said it multiple times. I have my original cards both. Stated that some one requested a card and you sent out to the unknown address per their request. I sent you proof of address, ID and all the bank statements from chime and other major accounts I have. You sent an unknown bank statement for the month of XXXX with the address you sent the card to not XXXX XXXX XXXX XXXX Ohio XXXX. Instead XXXX XXXX XXXXXXXX XXXX You let multiple transactions actions occur in a XXXX day and not send an alert. I called and chime so called frozen the account and cancelled all cards but a card ending in XXXX still was able to take off a total XXXX. I didnt approve any transactions with the card ending in XXXX never had this card but I have my original card not lost XXXX. 
I dont get how this is my fault and the next day XX/XX/XXXX more transactions occurred when the account was frozen and cards cancelled all but the unknown card ending in XXXX was able to take another XXXX out of my account leaving it in negative. The whole 3 years I been with you I was never able to go in the negative ever. This is crazy. 
I just need the documents that you used to support this denial including my documents you received from me. How you received the address, my recorded calls I had with your rude and unprofessional agents. How no one is taking notes nor even trying to help. I need all documents to file a police report for theft and take to my family lawyer. Please send asap as fast as you denied me. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: TX

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
The original creditor is XXXXXXXX XXXX XXXX XXXX XXXX. 
I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Unauthorized purchase by a family member on my XXXX tablet. I called chase to dispute XXXX of the XXXX transactions. XXXX transaction was authorized by my knowledge, & the other was unauthorized by my XXXX XXXX XXXX nephew playing his game on my XXXX via XXXX XXXX. Chase denied my XXXX  claim, this is my hard earned money. I will not be subjected to criminal & fraudulent abuse by chase!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: WA

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 2025-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: LD Holdings Group, LLC
State: GA

Complaint narrative:
I applied for a mortgage loan with LoanDepot on XX/XX/year>, through loan officer XXXX XXXX ( XXXX # XXXX ). I provided all six key elements of a completed application, including my name, income, Social Security Number, property address, estimated value, and requested loan amount. 

LoanDepot sent me a document labeled as a " Loan Estimate, '' but it was not a compliant LE under TRID. It was delivered late ( XX/XX/year> past the 3-business-day deadline ), and contained over {$5000.00} in discount points fee that were never disclosed, explained, nor did I consent to. The format and content did not meet the federal standards for Loan Estimates. I asked loan officer to explain the fees and she ignored my questions. 

Later, I provided a new property address over the phone, and I was issued a second document that was again referred to as a " Loan Estimate. '' I now believe both were misleading or false documents, intended to appear compliant while violating disclosure requirements under TRID and TILA. 

I was told over the phone that I was denied, but I was never issued a written adverse action notice, which violates both the Equal Credit Opportunity Act ( ECOA ) and Fair Credit Reporting Act ( FCRA ). 

Additionally, the loan officer claimed my variable overtime income was averaged, yet I was never sent a request to authorize a Written Verification of Employment ( WVOE ), and none was obtained. This violates XXXX XXXX  underwriting guidelines. 

I contacted the loan officer via email to ask how my income was calculated. I received no response. The mortgage insurance premium I was quoted was also unusually high, which I believe may be tied to incorrect income handling or loan structuring. 

These practices were deceptive, noncompliant, and caused me financial harm and emotional stress. I am requesting a formal investigation and appropriate enforcement action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: FL

Complaint narrative:
Subject : Final Notice for Credit Information Correction - Imminent Legal Action for Non-Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to express my deep disappointment regarding your failure to correct the inaccurate information on my credit report as outlined in my previous letters dated XXXX. Despite my repeated requests and the provision of ample documentation, the incorrectly reported late payments on XXXX XXXX XXXX - XXXX - This is paid as agreed and should not be reporting negatively on my report.remain unaddressed. 



As previously stated, according to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 



Furthermore, I referred to the Protection Against Non-Payment of Obligations Act ( PAANL ), which emphasizes the obligation of creditors to ensure timely delivery of statements to avoid unfair penalties to consumers. 



The continued non-compliance with these regulations has resulted in the unjust appearance of late payments on my credit report, adversely affecting my credit score and causing significant distress. This constitutes a clear violation of my rights under the FCRA. 



I hereby issue a final demand for the correction of this inaccurate information within 10 days of receipt of this letter. Below are the details of the affected payments : Date of reported late payment : XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: CA

Complaint narrative:
I'm a victim of Identity theft. I have fraudulent accounts on my credit report : XXXX XXXX  # XXXX ( balance {$9100.00} ), XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX Please see my identity theft report and documents in the attachments.

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 2025-03-24 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: Early Warning Services, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : XXXX  : : XXXX XXXX XXXX XX/XX/XXXX Account # XXXX Routing # XXXX XXXX  : XXXX XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX Routing # : XXXX XXXX  : XXXX XXXX  XX/XX/XXXX Account # XXXX Routing # XXXX XXXX  : XXXX XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX Routing # : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX Routing # : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX Routing # : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Account # : XXXX Routing # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account # : XXXX Routing # : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX Routing # : XXXX Bank : XXXXXXXX XXXX XXXXXX/XX/XXXX Account # : XXXX Routing # : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account # : XXXX Routing # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX Routing # : XXXX XXXX  : XXXX XXXX XXXX XXXX : XX/XX/XXXX Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: NJ

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-03-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
My husband purchased solar panels before XXXX XXXX XXXX XXXXXXXX. They were hooked up without a ground wire. I was struggling to get by without his income. All of my appliances had to be replaced 3 to 4 times half of my house didnt have electricity and I live like that for a year almost 2 years before I was able to hire a appliance guy to come look and try to fix my washer and dryer. Hes the one that found that my solar panels were hooked up without a ground wire. These are {$70000.00} solar panels They shouldve been installed correctly at the very least I tried to put in a homeowners insurance claim but they would not cover it or reimburse my money {$64000.00} out-of-pocket I had to pay and theres extensive damage to the roof. I need all of my appliances my water heater. The damage is almost unbelievable. They willingness to help me out of the situation is none I want them to take the solar panels and for them to fix the damage that it has caused I refuse to pay for something that just ruined my life because I had to come {$64000.00} out-of-pocket Im not {$20000.00} behind on my house Looking at being homeless very soon with my XXXX kids and mother who has XXXX XXXX  that I XXXX XXXX XXXX at home and to invest into this house just to lose it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I am writing to express my deep frustration with the errors on my report that are unfairly lowering my scores. These inaccuracies have caused significant setbacks in my ability to access financial opportunities, and I should not be suffering because of incorrect information that does not belong on my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Central Portfolio Control Inc.
State: IN

Complaint narrative:
I paid the debt beginning of XXXX and received paperwork on XX/XX/year> that it is a balance of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: NM

Complaint narrative:
I am writing to express my deep frustration with the errors on my report that are unfairly lowering my scores. These inaccuracies have caused significant setbacks in my ability to access financial opportunities, and I should not be suffering because of incorrect information that does not belong on my file.

Company response to consumer: Closed with explanation