vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: HILLTOP HOLDINGS, INC
State: TX

Complaint narrative:
XXXX inquired about mortgage loan 2 weeks later pre-approved never received pre-approval letter from company XXXX we put an offer on a house offer was accepted we paid earnest money ; inspection fee on XXXX XXXX XXXX  requested not specific buyer tried calling and receive vague responses and loan officer requested a letter from employer a letter was provided and no additional information was requested XXXX we were told loan would not close because XXXX  was not sufficient and XXXX  provided would not suffice for closing our loan was terminated and we lost appraisal money ; option fee and inspection money and we had less than one week to find another place to live

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
A friends XXXX page got hacked and the hackers put vehicles and items for sale stating they were selling her father-in-laws items as he was being moved into a XXXXXXXX XXXX  On XX/XX/year>, we wire transferred from our XXXX XXXX XXXX XXXX XXXX Account to a Wells Fargo account the amount of {$4000.00} which was a deposit on a truck ( {$7000.00} price ) and a recreational vehicle ( {$4000.00} price ). On XX/XX/XXXX, our friend contacted ne notifying me that it was a scam and to not buy anything and to block her XXXX page. That same day, I reported the fraud to the FBI, to XXXX and froze my credit with the three credit bureaus. On XX/XX/XXXX, we contacted our bank and the bank is going to contact Wells Fargo of the scam and request our money back.

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 2025-03-18 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: NY

Complaint narrative:
I am writing to follow up to take immediate action to eliminate the fraudulent data from my credit report. This misinformation, originating from fraudulent activity, should have already been removed, yet it persists. 
As outlined under FCRA Section 605, you are legally required to remove any erroneous entries from my credit report. Despite having already provided the necessary supporting documentation, I am resubmitting these documents for your review. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: PA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me XXXX. Hope you can address this soon, please.

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 2025-03-18 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-18 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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 2025-03-18 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: CA

Complaint narrative:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law.These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$220000.00} XXXX XXXX XXXX XXXX Balance : {$7000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: CA

Complaint narrative:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law.These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$220000.00} XXXX XXXX XXXX XXXX Balance : {$7000.00}

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 non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My Experian credit report contains serious reporting errors that should have never been included. This level of negligence is unacceptable and raises major concerns about the reliability of your verification process. These inaccuracies are actively damaging my credit profile, and I will not allow them to go unchallenged. 

The following disputed accounts need immediate correction : Incorrect Previous Address : XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/year> As a consumer, I am legally entitled to a credit report free from false or unverifiable information. The FCRA mandates that all reported data must be 100 % accurate and provable. If these errors can not be supported by concrete documentation, they must be removed immediately. I demand a thorough reinvestigation and immediate resolutiondelays will not be tolerated.

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 2025-03-18 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  XXXX Bankruptcy Account Name : XXXX  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 Account Number : XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report. Please verify or remove immediately the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX  Inquires are incorrect and I didnt apply for any cards : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Correct address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX Address is incorrect I never lived at this address : XXXX XXXX XXXX XXXX, XXXX, XXXX I ask to see the original contract Please remove this inaccurate information from my credit report. 

Key inconsistencies are found in total accounts, open/closed accounts, debt in collections, and hard inquiries. Experian is missing a significant amount of account data, especially for revolving, installment, and collection accounts. Additionally, name and address formatting is inconsistent across the bureaus, and Experian lacks crucial personal and account information compared to Equifax and TransUnion. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation immediately and delete Significant inconsistencies exist in the payment status, responsibility, and times late categories. Experian is missing almost all relevant information, which further creates discrepancies across the bureaus. Additionally, TransUnion reports missed payments while Equifax reports charged off status, creating conflicting data.

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report. Please verify or remove immediately the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX  Inquires are incorrect and I didnt apply for any cards : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Correct address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX Address is incorrect I never lived at this address : XXXX XXXX XXXX XXXX, XXXX, XXXX I ask to see the original contract Please remove this inaccurate information from my credit report. 

Key inconsistencies are found in total accounts, open/closed accounts, debt in collections, and hard inquiries. Experian is missing a significant amount of account data, especially for revolving, installment, and collection accounts. Additionally, name and address formatting is inconsistent across the bureaus, and Experian lacks crucial personal and account information compared to Equifax and TransUnion. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation immediately and delete Significant inconsistencies exist in the payment status, responsibility, and times late categories. Experian is missing almost all relevant information, which further creates discrepancies across the bureaus. Additionally, TransUnion reports missed payments while Equifax reports charged off status, creating conflicting data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: TX

Complaint narrative:
I recently reviewed my credit report and found inaccurate late payment notations on my account ( XXXX XXXX, Account Number : XXXX ). All payments have been made on time, making these reports incorrect. Under the Fair Credit Reporting Act ( FCRA ) 623 ( 15 U.S.C. 1681s-2 ), furnishers must ensure the accuracy of reported data, and knowingly reporting errors is a violation of this law. The discrepancies are as follows : TransUnion and Experian incorrectly report a XXXX late payment for XX/XX/year> and XX/XX/year>, while Equifax inaccurately XXXX XXXX late payments for XX/XX/year> and XX/XX/year>. Since my account status remains current across all three bureaus, these errors should be corrected immediately. I request documentation verifying compliance with 15 U.S. Code 1666b, which requires periodic statements to be delivered at least 21 days before the due date. Please provide the periodic statement and tracking number confirming timely delivery. I have attached my credit report highlighting these inaccuracies and request that they be corrected within 15 days of receipt.

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 2025-03-18 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: TX

Complaint narrative:
I recently reviewed my credit report and found inaccurate late payment notations on my account ( XXXX XXXX, Account Number : XXXX ). All payments have been made on time, making these reports incorrect. Under the Fair Credit Reporting Act ( FCRA ) 623 ( 15 U.S.C. 1681s-2 ), furnishers must ensure the accuracy of reported data, and knowingly reporting errors is a violation of this law. The discrepancies are as follows : TransUnion and Experian incorrectly report a XXXX late payment for XX/XX/year> and XX/XX/year>, while Equifax inaccurately XXXX XXXX late payments for XX/XX/year> and XX/XX/year>. Since my account status remains current across all three bureaus, these errors should be corrected immediately. I request documentation verifying compliance with 15 U.S. Code 1666b, which requires periodic statements to be delivered at least 21 days before the due date. Please provide the periodic statement and tracking number confirming timely delivery. I have attached my credit report highlighting these inaccuracies and request that they be corrected within 15 days of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I recently requested for the close of my escrow account because it been mishandled by the company, and believe i will have no problem handling the escrow account payments effectively by myself. 
I received a letter that the request was denied. In the letter dated XX/XX/XXXX i received from PHH Mortgage Service, it stated my current XXXX is more than 80 %. I come to find out they added the deferred no-interest balance to the current interest bearing loan balance and used the Original Appraisal value, of XXXX of my property, not my current balance value to calculate the Loan-to value which to me is wrong. 

The original documents signed in XXXX stated that the deferred balance can only be applied when the property is been sold or refinanced, neither i am doing at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: 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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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:
Hard inquire XXXX XXXX, XXXX XXXX needs to me permanently removed. I did not give consent or authorized that. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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:
My credit report shows late payments that arent accurate. Ive disputed these with the credit bureaus, but the issue still hasnt been resolved. The account in question shows late payments, even though Ive always paid on time as agreed. Ive asked the credit bureaus to provide proof of these late payments, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is hurting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: AL

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2025-03-18 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: AL

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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