vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Seeing an account I didnt open on my credit report is honestly terrifying. Its a clear case of fraud, and allowing it to stay violates the FCRAs standard for truthful, fully verified reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: GA

Complaint narrative:
I've worked hard to build my credit so, take this seriously. I found some big mistakes that are really hurting my score and these inaccuracies have been stressing me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. I need you to make sure all of my information is 100 % correct. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. I'm getting really upset and I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and 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 non-monetary relief
Consumer complaint received 2025-05-12 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and 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 2025-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and 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 non-monetary relief
Consumer complaint received 2025-05-12 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:
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 2025-05-12 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: RI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
RE : Account # XXXX XXXX  XXXX ONEMAIN XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX I dispute having any obligation for this debt to XXXX ( XXXX, OneMain Financial XXXX OneMain Financial XXXX XXXX OneMain Financial XXXX XXXX XXXX. et al ), as it was paid in full on XX/XX/XXXX of XXXX in person at their location : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX. 
OneMain Financial contacted me by phone on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX of XXXX and via email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and several other dates since I sent OneMain a cease and desist letter by certified mail on XX/XX/XXXX disputing this fraudulent charge. XXXX has continued to contact me and harass me regarding this fraudulent debt in this year of XXXX on the following dates : XX/XX/XXXX and XXXX, XX/XX/XXXX and XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, and XXXX, XX/XX/XXXX and XXXX, XXXX. These attempts made on behalf of OneMain include deceptive means and false representation of the character, amount and legal status of this disputed debt. This harassment and continuous fraudulent entry on my credit report has affected me emotionally, financially and has impeded me from obtaining student loans to complete my education, among other negative affects on me. OneMain, OneMain Financial needs to also be investigated for unjust enrichment, failure to perform, and deceptive trade practices. I am seeking damages for these violations. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd
State: DE

Complaint narrative:
When I recently logged into my Wise account, I was shown a message saying, " Weve closed your account. '' I immediately submitted an appeal asking for it to be reopened. However, on XX/XX/scrub> 2025, I received a reply saying the account has been permanently closed, again without any explanation. 

This has caused a serious impact on my business, which relies on Wise for international payments. I have always used the platform for legitimate business purposes and complied with all terms and conditions. I am still not aware of any reason for the closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: TX

Complaint narrative:
I am filing this complaint concerning the inaccurate reporting of ( multiple late payments/late payment ) by the creditors/this creditor to ( insert bureau name here ) . According to their records, several payments/a payment are/is falsely reported as late. These/This alleged late payment/s were/was made on time, yet this incorrect information remains on my credit report, causing harm to my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: CMG Financial Services, Inc.
State: TN

Complaint narrative:
Hello I bought my house with CMG Mortgage , Inc. in XX/XX/year>, with Conventional loan include PMI ( private mortgage insurance ), was a good deal, bought it less than market value because previous owners were going to divorce and wanted to sell property ASAP, CMG Mortgage , Inc. representative told me on closing day that whenever I have % XXXX equity in my property, I will be able to waive or remove PMI monthly payment which is {$130.00} / month and when real estate market goes up I asked to cancel PMI, they refused and said you have to be with us for XXXX years and have good payment history when I completed XXXX years + excellent payment history with them I requested XXXX more time and this time they said you have to be with us for XXXX  years ( and ) you have to have equity % XXXX not % XXXX this time ( few days ago ) they also mentioned that XXXX years with them, equity has to be % XXXX XXXX years with them, equity has to be % XXXX also they still using the purchase price to do their math instead of using estimated market value, which can be found on several websites, they forcing me to hire appraiser through them and pay the appraiser fees I don't have a problem paying appraiser fees, my issue is them changing their words from % XXXX equity to XXXX years + % XXXX equity to 2 years + % XXXX equity with that being said i'm writing to CFPB to step in and help me removing PMI from my loan thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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 need you to go through every piece of information tied to this account and confirm that it actually belongs to me. If you can not fully certify that all of the data is accurate and linked to me without any doubt, then this account should not be on my credit report at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: SC

Complaint narrative:
I paid a collection account off with XXXX XXXX XXXX XXXX in XXXX of XXXX. I was told i would receive a letter to show the account reflects a {$0.00} balance when i called back XXXX weeks later i was told that the representative from their company lied and they do not give out receipts nor letters showing the account has been paid. So i disputed it with all credit companies in which their investigation came back are remains due ti XXXX XXXX XXXX XXXX stating i didn't pay the account and their hasn't been an updated balance since. I disputed the account again in XXXX XXXX times only for penfed to tell me it will update whenever it updates. Ive already written experian and disputed through my online portal still has yet to be updated. And my score is still low nor can i update it through my app

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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:
After reviewing my credit report i see a lot of inaccuracies that i would liked fixed or removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: IL

Complaint narrative:
I have contacted each bureau via phone and was informed that I needed to complete the attached document, a report on identitytheft.gov, in the way it has been completed, and to attach it here in order to resolve the listed accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: IL

Complaint narrative:
I have contacted each bureau via phone and was informed that I needed to complete the attached document, a report on identitytheft.gov, in the way it has been completed, and to attach it here in order to resolve the listed accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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:
These accounts were created without my knowledge or consent, and I should not be accountable for them. I urge you to take swift steps to correct this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Dear LVNV FUNDING LLC This letter is being sent to you in response to : Check One ( 1 ) - Notice sent to me on _ 20_ YES- Response to a listing on my Credit Report. 

Be advised this is NOT a refusal to pay but a notice sent pursuant to the FAIR DEBT Collection Practices Act 15 USC 1692g stating your claim is disputed and validation is requested. 

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( Equifax, Experian or TransUnion ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your offices are able to provide the proper documentation as requested in the following declaration, I will require at least 30 days to investigate this information during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: AZ

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 2025-05-12 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: EQUIFAX, INC.
State: AZ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: GA

Complaint narrative:
On XX/XX/year> I requested a security freeze from XXXX XXXX XXXX Solutions. XXXX XXXX XXXX Solutions continues to report unvalidated information according to 15 USC 16 92G. I've asked for a detailed list of payments made to all accounts that they are validating, secondly, I've requested the signature that I put on the contract guaranteeing that I would pay that creditor that they are validating. Thirdly I've asked to see if there have been any insurance claims filed on the debt their reporting. Finally, I've asked for proof of the chain of title to collect on the debt. As of XX/XX/year> none of these requests have been fulfilled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: GA

Complaint narrative:
On XX/XX/year> I requested a security freeze from XXXX XXXX XXXX Solutions. XXXX XXXX XXXX Solutions continues to report unvalidated information according to 15 USC 16 92G. I've asked for a detailed list of payments made to all accounts that they are validating, secondly, I've requested the signature that I put on the contract guaranteeing that I would pay that creditor that they are validating. Thirdly I've asked to see if there have been any insurance claims filed on the debt their reporting. Finally, I've asked for proof of the chain of title to collect on the debt. As of XX/XX/year> none of these requests have been fulfilled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: OR

Complaint narrative:
The information being reported about this account does not meet the standards required by the Fair Credit Reporting Act. Its not accurate, not properly verified, and should never have been included on my credit report in the first place. The FCRA clearly states that all reported information must be complete and fully accurate, and this account fails to meet that basic requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: NC

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 explanation
Consumer complaint received 2025-05-12 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:
There is an account on my credit report that I do not recognize and have never been associated with. It is completely unknown to me, and I have no idea how it ended up on my file. This looks like a case of mixed or incorrect data, and its unfair that Im being held responsible for someone elses account.

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