vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: AL

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: ID Analytics, Inc.
State: MI

Complaint narrative:
XXXX account with balance XXXX XXXX account with balance of XXXX XXXX account with balance XXXX Metro2 code 82 applies Metro 2 code 93 applies Metro2 code 34 applies This is for metro2 compliance. These accounts are reporting inaccuracies therefore they at a result of fraud. The credit reporting agencies are complicit in this illegal activity. These accounts are grossly reporting inaccurately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My report shows certain inquiries that do not appear to meet the requirement of permissible purpose as outlined in 15 USC 1681b. I believe these inquiries were unintended, and I am requesting their removal.

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 2025-04-21 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: GA

Complaint narrative:
I am formally disputing the following negative items on my credit report.

Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Self Financial Inc.
State: FL

Complaint narrative:
I am trying to contact SELFXXXX to remedy my account issue. 
I am currently receiving messages from XXXXXXXX XXXX regarding my membership. 
When calling SELF twice XXXX XXXX. It says that my card is blocked. So I proceed to talk to customer service to no avail. 
Both representatives stated that they couldnt verify the phone number on the account. This is the only phone number I have and have used. 

I expressed that this is the only phone number Ive used and both representatives told me to call the main support number on the back of the card. Which is the number I called both times. I would like this issue resolved ASAP with a new card or verification & unblocking of the current card on file. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-21 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: AL

Complaint narrative:
I am writing to formally dispute one or more unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: CO

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 explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I pulled my credit report and its showing accounts are Currently on-time when they are closed. Also, 5 accounts are showing missed payments. XXXX XXXX XXXX  ( 5 ) missed payments, XXXX XXXX XXXX ( 5 ) missed payments, XXXX XXXX  ( 4 ) missed payments, XXXX XXXX ( 2 ) missed payments, and XXXX XXXX XXXX  XXXX ( 2 ) missed payments. ALL 5 of these accounts are closed but are reporting on-time.

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 2025-04-21 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: MI

Complaint narrative:
I pulled my credit report and its showing accounts are Currently on-time when they are closed. Also, 5 accounts are showing missed payments. XXXX XXXXXXXX XXXX ( 5 ) missed payments, XXXXXXXX XXXX XXXX ( 5 ) missed payments, XXXX XXXX  ( 4 ) missed payments, XXXX XXXX ( 2 ) missed payments, and XXXX XXXX XXXX  XXXX ( 2 ) missed payments. ALL 5 of these accounts are closed but are reporting on-time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: MI

Complaint narrative:
I pulled my credit report and its showing accounts are Currently on-time when they are closed. Also, 5 accounts are showing missed payments. XXXX XXXX XXXX  ( 5 ) missed payments, XXXX XXXX XXXX ( 5 ) missed payments, XXXX XXXX ( 4 ) missed payments, XXXX XXXX  ( 2 ) missed payments, and XXXX XXXX XXXX  XXXX ( 2 ) missed payments. ALL 5 of these accounts are closed but are reporting on-time.

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 2025-04-21 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I asked the lender TD Bank to stop calling everyday by phone and in writing. They call as much as XXXX times per day starting XXXX  days after the due date. I have documented the daily calls starting right after XXXX am until XXXX pm or later. They call back to back everyday. They keep telling me that they cant control robot calls. The truck they financed has had XXXX recalls for the transmission and engine. The truck is not working and the dealer refuses to fix the recall due to parts not available. The XXXX payment has not been made, so its late. If Im not mistaken the law says no more than XXXX call daily for every 7 days. I have a call log for 3 months and I have received over XXXX calls from them. This is considered harassment. I am attaching the most recent call logs. If you need all of them ( over XXXX pages ) I will have to copy and send them. 

Thanking you in advance for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

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 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XXXX XXXX had transferred a balance to Citicards in the amount of {$1900.00} with a 5 % fee, making my new credit card balance {$2000.00}. 

In the month of XXXX I made a few purchases to the credit card. During the same period I made payments of {$760.00} to the credit card. The minimum balance due was {$35.00}. 

Their policy states and the Credit Card Accountability Responsibility and Disclosure Act ( CARD Act ) of XXXX mandates that they must apply excess payments ( above the minimum ) to the balance with the highest interest rate. 

However, they applied the payment to the low promotional rate of .99 %. I called multiple times and got no resolution. I called as follows : XX/XX/XXXX - I was told that a complaint form would be filed and investigated and to call back the following week XX/XX/XXXX - When I called back they said the reason they applied the payment to the lower balance is because I made the XXXX payment after the new charges were made, but before the statement ending date. This did not make sense to me so I challenged them for some time about it. 

XX/XX/XXXX - I called again and spoke with a supervisor who agreed and said the reason they applied the payment to the lower balance is because I made the XXXX payment after the new charges but before the statement ending date. This still did not make sense to me so I challenged them about it again. They said that in the future if I wanted to make a payment higher than the minimum that I should call back after the new statement has been released. So I did. And it did not make a difference. 

XX/XX/XXXX - I called at XXXX XXXX. to make a payment for the current statement month. I confirmed that the timing of the statement cycle was correct and that I would be making a payment higher than the minimum due and that all of the extra payment was to go toward the higher interest rate for new purchases. I was assured by the customer service rep that yes, that would be the case. I also confirmed that the call was being recorded. 

However, my statement that just came out shows that DESPITE MY PHONE CALL ON XX/XX/XXXX CONFIRMING MY INTENTION TO PAY THE HIGHER BALANCE, THE ENTIRE PAYMENT WENT DIRECTLY TO THE LOW .99 %!!!!!

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 2025-04-21 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: GA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP
State: TX

Complaint narrative:
Customer service contacted, transferred 3 times trying to solve the issue of the website & app in adding authorized user. Malfunction/error received. Customer service verified correct type of account access for me to grant an accountant access but form wont submit without failing due to error. Last transfer to the automated system then once agent was reached the call disconnected after I explained what was going on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Mr. Cooper changed my monthly mortgage payment from {$4300.00} to {$4700.00}, citing increased escrow and force-placed insurance charges. However, my original loan terms only authorized a {$210.00} escrow for PMI. After receiving a notice, I promptly purchased voluntary coverage through XXXX and provided the binder as proof. 

Despite this, Mr. Cooper charged {$1500.00} for lender-placed insurance and an additional {$640.00} for an XXXX Binder , even though the binder was free from my insurer. When I disputed part of the unauthorized auto-payment through my bank, Mr. Cooper refunded the entire mortgage payment and then charged a {$200.00} late fee. I attempted to correct this by submitting the accurate amount ( {$4300.00} ), but they refunded that as well, causing my account to become delinquent. 

To avoid credit harm, I paid the full inflated amount, after which they removed the late fee. I also submitted a Qualified Written Request ( QWR ) under RESPA, which they acknowledged but failed to fully respond to within the legal timeframe. 

I ultimately paid both the {$1500.00} and {$640.00} charges under protest to resolve the escrow shortage, which brought the escrow balance to {$0.00}. However, Mr. Cooper refuses to reduce my mortgage payment back to the original amount, stating the insurance charge will be applied to next years coverageeven though I already have active XXXX  coverage. 

This situation reflects a misuse of escrow, misapplication of funds, and potential violations of RESPA. I am requesting : A full investigation into the escrow and insurance handling Correction of my monthly mortgage payment to the original amount A breakdown and explanation of all charges Refund or proper reallocation of the disputed payments Mr. Coopers actions have caused financial hardship, stress, and confusion. I am seeking regulatory intervention to resolve this issue appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: ID

Complaint narrative:
There are ongoing billing and reporting errors by the bank that are severely damaging my credit. Payments Ive made havent been properly applied, and Ive identified miscalculations in the reported balances. On top of that, I wasnt given the required XXXXday advance notice before a due date, which makes any resulting late payments invalid under the Truth in Lending Act ( 15 U.S.C. XXXX ( b ) ). These issues violate my rights and federal regulations.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On my Credit reports there are dates that are reporting that is inaccurate. Showing different dates that debt accounts were opened and also showing inaccurate amounts owed for the debt by collection agencies.

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 2025-04-21 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-21 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:
This morning, I saw some incorrect accounts listed on my credit report, and I dont understand how they got there. I routinely review my report, but this time I noticed some unexpected discrepancies. I even tried refreshing the page in case it was a browser glitch, but the errors remained. Given this situation, Im requesting a detailed review of the documents Ive submitted so I wont have to stress over this again.

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