vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax Reporting Inaccurate Public Record ( Bankruptcy ) Without Proper Investigation or Verification FCRA Violations What happened : Equifax is reporting a XXXX XXXX bankruptcy on my credit report that was dismissed and should not be presented as a verified, active derogatory record. I previously disputed this public record and requested a full reinvestigation, including : The method of verification The name and contact info of the furnisher The original source of the information Proof that written consent exists to obtain or report this data on my credit file Equifax failed to provide any of this information, and simply marked the dispute as verified. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681i ( a ) Failure to properly reinvestigate disputed items 15 U.S.C. 1681b ( a ) ( 2 ) No evidence that a permissible purpose exists 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) No disclosure of the method of verification The U.S. Bankruptcy Court does not report to Equifax or any credit bureau, so I am demanding the following : Who provided this bankruptcy data? ( Name, phone number, and address ) How did Equifax contact them? ( Phone? Fax? Third-party vendor? ) Where is my written consent? What documentation gives Equifax the legal right to report this on my file? 

The failure to verify this public record and continuing to report it after a dispute is reckless, unlawful, and damaging to my creditworthiness. I am now requesting that the CFPB step in to enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Sunnova Energy Corporation
State: CA

Complaint narrative:
I believe I am a victim of solar lease misrepresentation and elder financial abuse by Sunnova and their affiliated salesperson. I am a XXXX widow living in XXXX XXXX, CA XXXX In XXXX, shortly after my husband passed, I was approached repeatedly by a Sunnova-affiliated salesperson named XXXX XXXX XXXX XXXX # XXXX SP ), working through XXXX, who called me multiple times a week over a XXXX period. He gained my trust during an emotionally vulnerable time and pressured me into signing not one, but two solar lease contracts the second with higher payments and a battery I never asked for.

At no time was I given the 24-page Solar Consumer Protection Guide , which is required under California law before signing. I didnt fully understand what I was agreeing to and trusted I was in good hands. I have never received a copy of the full master lease, despite requesting it multiple times.

Sunnovas assigned contractors went bankrupt mid-project. My system sat idle for over a year, failed inspection, and was never completed or activated by Sunnova. I eventually had to pay for outside help just to get the system working and approved by XXXX XXXX  XXXX in XX/XX/XXXX. Still, Sunnova never acknowledged the activation, never billed me, and never confirmed any lease start date. I have received no service, no support, and no documentation.

Sunnova filed for XXXX  XXXX bankruptcy on XX/XX/XXXX, and all negotiations or offers are now paused under bankruptcy protection. Despite this, I still have a clouded title and legal uncertainty that affects my ability to sell my home and move into assisted living. 

I have filed complaints with the XXXX  XXXX, XXXX, and XXXX, but no resolution has been reached. This has been a devastating experience for me legally, emotionally, and financially. It feels like a trap XXXX cant get out of.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Conduent Incorporated
State: IN

Complaint narrative:
XX/XX/XXXX, XXXX Tried to buy groceries and discovered my debit card from XXXX XXXX had insufficient funds. Checked my transactions and noticed I had numerous unauthorized transactions. Canceled the card and requested a new one. Requested paperwork to fill out fraud transactions. XXXX, XXXX XXXX, Indiana XXXX XXXX XXXX XXXX Received the paperwork and sent back paperwork XX/XX/XXXX, within 10 days when information received by mail, and highlighted all the transactions I did not authorize from XXXX XXXX XXXX. 

XX/XX/XXXX, XXXX XXXX received in the mail that my claim XXXX had been denied due to company unable to find the transactions unauthorized. 

XX/XX/XXXX, XXXX Called the XXXX XXXX XXXX and asked what else could be done because I did not make the highlighted transactions that I sent in. She said I could send in more information and she could put in an escalation on it. She did not tell me the time frame in which this information needed to be submitted. You can check the phone record since it was being recorded by the company. That evening I sent in records of my Paystubs, phone records, XXXX XXXX account screen shots of all my purchases, my computer IP address from XXXX. All these documents to show I was not out of the state of IN and was working as a substitute teacher at a school in XXXX and that I did not make the XXXX transactions that were claimed to have occurred on my account. I did not make purchases in XXXX XXXX, XXXX, and New York or Ohio the dates in the transactions. 

XX/XX/XXXX, XXXX Emailed my XXXX claim number to the Escalation number XXXX. 

XX/XX/XXXX, XXXX Received email of both claims being denied but not all the information sent on XX/XX/XXXX was provided in with their justification of denial. No screenshot of my XXXX XXXX account was listed nor my phone records or pay stubs showing my time worked in XXXX, XXXX. 

XX/XX/XXXX, XXXX Emailed my Police Report Number : XXXX to the Escalation/Original Claim email. 

XX/XX/XXXX, XXXX Called the number provided if I had questions about the claim provided in the email to talk to someone as to why all my records that I sent in were not used but the number was for my correct account. Spoke with someone after XXXX hours and they clarified my claims had been denied and closed and marked as resolved on XXXX and XX/XX/XXXX. 

Will be calling to ask why they did not use all the documents I provided and why they only gave me 2 days from the call to submit more documents. 

Total fraud charges from XXXX XXXX : {$21000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: SC

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit file. I am a victim of identity theft, and there are multiple accounts and inquiries listed on my credit report that I did not authorize or apply for. These items are not accurate and do not belong to me.

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized accounts and inquiries from my credit report. Attached to this letter, you will find a list of the disputed items as well as a copy of my Identity Theft Report filed with the Federal Trade Commission. 

Please take the necessary steps to investigate and delete these items from my credit report as soon as possible. I appreciate your prompt attention to this matter and request written confirmation once the corrections have been made.

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 2025-06-20 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I discovered that I am a victim of identity theft following a robbery wherein my identity documents such as my driver 's license, my social security card and other sensitive information was stolen. I reviewed my credit and found an account from TD Bank / Target that was opened online by someone else. This account was opened without my knowledge or consent. I have attempted to have it removed from my credit as it was a result of fraud and have been unsuccessful in doing so. I have filed a police report regarding this issue and you will find that attached to this complaint. This account number is XXXX XXXX XXXX XXXX XXXX  and has a reported balance of {$680.00}. My social is XXXX and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Complainant : XXXX XXXX XXXX Subject : Continued Reporting of Inaccurate Payment History Violation of FCRA and FCBA I, XXXX XXXX XXXX, am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to report the failure of a consumer reporting agency and/or furnisher to lawfully investigate and correct inaccurate information that I previously disputed. 

I submitted a formal dispute 35 days ago regarding the inaccurate reporting of late payments on my credit report. This dispute was submitted by me personally, not by any third party. I am asserting my rights under both the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ) to demand that my consumer credit file be accurate, complete, and fair, as required by federal law.

Despite my billing error dispute being based on 15 U.S. Code 1666 ( b ), the disputed accounts are still being reported as late. Specifically, the FCBA outlines that billing errors include : Failure to post payments or credits properly Accounting and computation mistakes Lack of proper written notice ( minimum of 21 days ) before charging late fees or reporting a late payment To date, I have not received any documentary evidence verifying that the reported late payments are accurate. As such, I am again requesting that the creditor and/or cre
dit bureau provide documentation substantiating the claim that I was, in fact, late on the payments listed below : Disputed Accounts : Late Payment ( Open 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 2025-06-20 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: FL

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-20 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: FL

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: CA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-20 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-20 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: MA

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 explanation
Consumer complaint received 2025-06-20 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: MA

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: MA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-20 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: MA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: Mobiloans, LLC
State: FL

Complaint narrative:
Under FCRA 611 ( a ) ( 1 ) ( A ), I am disputing the accuracy of this account and requesting an investigation. If the furnisher of information can not verify it within 30 days, the information must be deleted.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: NJ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation