vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: NH

Complaint narrative:
I submitted a request to cancel my PMI since we put almost XXXX XXXX worth of work into our house. They scheduled a BPO which I paid {$150.00} for. I had to leave work early to attend the BPO. The BPO came back less than 2 weeks later for more than the 80 % that was needed yet they said my request to cancel PMI was still denied, I asked why and they said it had to be at 75 % and I said what if I pay my principal down to 75 % and they said yes, it would get approved if I did that. I made the payment, I call numerous times afterwards asking where we were at in the approval process. The woman said it would be getting approved and someone would reach out to me in 24-72 hours with my new payment schedule. More than 3 days go by so I call again and they say no, it is denied the list you sent in was denied. I said XXXX XXXX XXXX guidelines the list has to be approved to even have the BPO ordered which that already happened. They said maybe we can make an exception then... they call me back later and say no, sorry, their representatives aren't fully educated in PMI guidelines. They told me it was the team lead that ordered the BPO even though they were not supposed too and I spoke with numerous representatives since this initial request over 2 months ago and they all told me the same thing. 75 % and it would be removed which we were below that threshold at this point. So now today I am being told it only needed to be at 80 % but the list was denied so they will refund me for the BPO fee and the paydown on my principal. I am so mad, I was toyed around with for 2 months with false promises, money and time taken from me .... I don't even know what to do or say at this point. Not to mention their communication is awful, the only communication I got was when I called them and a few letters with 0 information within them. I made the representative today send me an email with the refunds being showed just so I could at least have proof of that and not be scammed out of the money because I feel as though they are just scamming me at this rate.

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 2025-03-20 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: PA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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 am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 non-monetary relief
Consumer complaint received 2025-03-20 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: IL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 
Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The information must be deleted from my report as soon as possible. Not only did you not respond in a timely matter, but the information was inaccurate and misleading and as such represents a very serious error in your reporting. 
Once again! Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. Please send your written response to my address above.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NJ

Complaint narrative:
On XX/XX/XXXX, MOHELA discharged my student loans in the amount of approx. XXXX XXXX pursuant to PSLF. On that same date, I filed a dispute with XXXX to get the ball rolling to remove it from my credit report- to close the account as {$0.00} balance. I provided all official documents from Mohela regarding the discharge. In XX/XX/XXXX, XXXX closed the account as a {$0.00} balance, never late, closed, etc. From that point on, under the " student loan '' section, I had no student loans. My debt dropped significantly and my score went up. In XXXXXXXX XXXX XXXX, XXXX decided to put the EXACT SAME MOHELA loans back on my account as active, never paid, and payments begin XX/XX/XXXX. I do not have any student loans with MOHELA that are active. I disputed this account. I was told by XXXX on XX/XX/XXXX that MOHELA reported to them that I have the account open and own money. DURING THE XX/XX/XXXX PHONE CALL WITH XXXX, THE REP ADVISED THEY RECEIVED ALL OF THE INFORMATION ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX THAT THE ACCOUNT WAS PAID AND CLOSED. THEY ADMITTED THEY HAVE THE DISCHARGE PAPERWORK, BUT SAID MOHELA IS STILL REPORTING IT. I called MOHELA XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX. Both calls recorded. Both MOHELA reps advised the account is closed and PAID with a {$0.00} balance. I have no outstanding loan with them. I was told this was reported to creditors. XXXX will not remove, despite myself and MOHELA providing them with documentation stating I have no loans with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian

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 2025-03-20 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:
these accounts are fraud 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
Consumer complaint received 2025-03-20 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: CA

Complaint narrative:
Experian credit report is reporting that I missed a XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX witch is incorrect that account is paid in full. 

Experian also reported that I missed 3 payments for XXXXXXXX XXXX XXXX  which those months where waved due to COVID also since then has been paid in the full amount and should not reflect negatively. 

Lastly these is a XXXX XXXXXXXX XXXX that Ive never opened reflecting negatively on my report. 

Ive called and been hung up on numerous of times. Ive also sent is all documents Experian requested, ID, SOS, proof of residence FTC report police report. And still to changes have been made. 

I will like all incorrect accounts removed from my 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 2025-03-20 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 explanation
Consumer complaint received 2025-03-20 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 2025-03-20 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo added a Fraud user to my account and FRAUDLY changed my mailing address to rush deliver the credit card and this FRAUD added user XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all done in XXXX XXXX  over and over again. I have submitted here in previous company if even the police report filed due to the federal criminal charge due to the XXXX XXXX XXXX XXXX  fraud. You gave the copy and so does Wells Fargo, yet they kept adding this FRAUD user to my credit card account over and over again and again. I suffered a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRAUD I have just recently faxed a letter. I must receive my money back. I live in social security XXXX and was forced to take out a personal loan to protect my credit. {$16000.00} that XXXX XXXX XXXX XXXX  paid Wells Fargo directly. Im owed this + for all the XXXX XXXX XXXX XXXX XXXX this has csused XXXX owes this money the FRAUD added user Wells Fargo added and kept adding.

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 2025-03-20 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit 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 2025-03-20 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 2025-03-20 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: TN

Complaint narrative:
I am writing to formally dispute inaccurate information that remains on my credit report despite a previous dispute. The following account was previously disputed, yet it has not been removed from my report. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and demonstrates Experians failure to ensure the accuracy of consumer credit files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Additionally, I am disputing the following unauthorized hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under FCRA ( 15 U.S.C. 1681i ( a ) ), I have the right to dispute inaccurate information, and credit reporting agencies are required to conduct a reasonable investigation. Since this account remains on my credit report, I request that Experian provide detailed verification, including the source of the account information and supporting documentation from the furnisher. If Experian can not verify the accuracy of this account with proper documentation, it must be immediately removed per FCRA Section 1681e ( b ).

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 2025-03-20 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: PA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Send me the certified receipt showing my name and signature.showing that you notified me before putting the debt on my credit report. Show me the five day notice that you gave me before putting the debt on my credit report. I never received any notice that this account was going on my credit report and thats violating my federal rights So if you can not provide me with the documents showing where you mailed and notify me of this debt before putting it on my credit report you have to remove this 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 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Today XX/XX/year> I noticed suspicious charges on my credit union debit card from PayPal. I contacted PayPal and they asked for more sensitive information that could have led to further fraud. I said no and asked to speak with a supervisor. I was put on hold and never had a supervisor contact me. 
I talked to my credit union and had to cancel the card and will need another card made. Which will cause addition time and expense

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  my XXXX XXXX in the amount of approx. XXXX XXXX pursuant to PSLF. On that same date, I filed a dispute with Experian to get the ball rolling to remove it from my credit report- to close the account as {$0.00} balance. I provided all official documents from XXXX regarding the discharge. In XX/XX/XXXX, Experian closed the account as a XXXX balance, never late, closed, etc. From that point on, under the XXXX XXXX XXXX XXXX  section, I had no XXXX XXXX. My debt dropped significantly and my score went up. In XXXX of XXXX, Experian decided to put the EXACT SAME XXXX loans back on my account as active, never paid, and payments begin XX/XX/XXXX. I do not have any XXXX XXXX  with XXXX that are active. I disputed this account. I was told by Experian on XX/XX/XXXX that XXXX reported to them that I have the account open and own money. DURING THE XX/XX/XXXX PHONE CALL WITH EXPERIAN, THE REP ADVISED THEY RECEIVED ALL OF THE INFORMATION ON XX/XX/XXXX XXXX XXXX XXXXXXXX THAT THE ACCOUNT WAS PAID AND CLOSED. THEY ADMITTED THEY HAVE THE DISCHARGE PAPERWORK, BUT SAID XXXX IS STILL REPORTING IT. I called XXXX XX/XX/XXXXXXXX XXXX XXXX. Both calls recorded. Both XXXX reps advised the account is closed and PAID with a {$0.00} balance. I have no outstanding loan with them. I was told this was reported to creditors. Experian will not remove, despite myself and XXXX providing them with documentation stating I have no loans with them.

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