vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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: IL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Avant Holding Company, Inc.
State: MI

Complaint narrative:
Garnished XXXX Lien on house - XX/XX/XXXX I was never sent any validation until I contacted con n then I was sent a redacted spread sheets with improper chain of title n no contracts or original contract. Just a disclosure showing we were supposed to go to arbitration instead they took me to XXXX district court n got a default judgement The amount is fabricated. They are furnishing bad information n hurting my credit and finances. They dont gave proper proof and they are reading my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Garnished XXXX XXXX on house - XX/XX/XXXX I was never sent any validation until I contacted XXXX  XXXX then I was sent a redacted spread sheets with improper chain of title XXXX  no contracts or original contract. Just a disclosure showing we were supposed to go to arbitration instead they took me to XXXX district court XXXX  got a default judgement The amount is fabricated. They are furnishing bad information XXXX  hurting my credit and finances. They dont XXXX  proper proof and they are reading my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: MI

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency XXXX furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: MI

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency XXXX furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-10-15 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: VA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to request a XXXX  XXXX  on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This XXXX  is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-10-15 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: SC

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 2025-10-15 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: SC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: NV

Complaint narrative:
I challenge the inclusion of accounts never established by me. Kindly investigate comprehensively and expunge them. Documentation accompanies this request.

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 2025-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO

Complaint narrative:
Select Portfolio Services has continually failed/refused to provide me with key/critical loan details in order to allow me to make informed decisions about loan modifications they have proposed. Most recently I have asked them for a side-by-side comparison of my current loan terms next to the proposed loan terms. They flat out have refused. In addition to this, I have had to deal with lengthy delays in correspondence ( Requesting callbacks from supervisors which 90 % of the time go unanswered ) or document review by Underwriting which sometimes has taken over a week. Their underwriting team does not review notes, or documents submitted, and often requests the same documents I have already turned in several times. This has delayed any proposed resolutions to my loan issues by more than a month despite my supplying the requested documents within XXXX hours at every request. SPS does not allow communication between the Mortgagee and Underwriting, which leads to huge gaps in understanding by Underwriting and delays in mortgage modifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 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 2025-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, XXXX, deactivated XXXX ( XXXX XXXX ), payment processing without any clear exaplanation on why and after talking to support the only response is, they have sent me email about deactivation and the decision is final. 
XXXX launched on XX/XX/XXXX and there are XXXX transactions made, XXXX trasaction ( complete ) and other is cancelled. 
Square is now holding my funds for XXXX days, which seems to be their standard policy, which gain has no clear basis. 

I have tried my best to formally appeal the decision and asked what is needed on my part to reverse the decision. Square seems to not care working with small businesses and only have machine making arbitary decision to deactivate accounts without proper audits on the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account tha I was never for Consumer Reportin Agencies have assumed a vital role and have responsability to report Consumer information to the best of their ability with Maximum Accurancy.I have been late payments for the account ( XXXX  XXXX XXXX ). Please investigate and provide Proof with staments were late. if proof can't be provided I demand these payments be updated to on time as they be as i was NEVER late. Thanks

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 2025-10-15 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: FL

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-15 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: MN

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-10-15 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Sunnova Energy Corporation
State: CA

Complaint narrative:
At the time of sale, your high pressure representative came unannouced into my home canvasing my neighborhood and clearly stated that my electric bills would be significantly reduced, at least cut in half by switching to solar with Sunnova. There would be no cost to us as there was a progam were the State of California pays for the panel and that Sunnova installs them, gets the tax credit then monitors and maintains the panels throughout the lease. Also, that the panels could be removed if we were not satisfied with the service. If we decided to sell our home it would be an easy process to have a new buyer take over the lease agreement. I relied on that representation in good faith when signing the contract. 

However, we am now paying both the XXXX XXXX XXXX electric bill and the higher Sunnova lease and my overall monthly costs have increased significantly. This is not what was promised or explained to me during the sales process. I have contacted your customer service both on the phone and by email. Initially customer service referred me to XXXX XXXX  XXXX then told me to upload copies of my XXXX XXXX  XXXX bill to your customer service for evaluation which I did without any reply. Recent calls end up not being answered and no way to leave a message for a call back. In recent months there has been no customer service at Sunnova. 

My spouse and I are both seniors. Were never told and did not understand fully the length of the lease or the financial impact this would have by his misrepresentation and that a lean would be put on our home. What we discovered after the fact is that we will be older than XXXX and XXXX years respectively when this agreement would be satisfied not to mention the higher cost of electricty. 

I believe I we were misled and that this constitutes misrepresentation, particularly harmful as I am a senior citizen on a fixed income. I was not fully informed about : - The full costs of the solar lease - The continued charges from XXXX XXXX  XXXX ( {$10.00} a month connection fee and any natural gas usage was on us ) - The true financial impact of the contract I am requesting an immediate review of my contract and account. I would like to explore all available options, including cancellation of the agreement to reflect what was promised.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I applied for a new credit card and was denied by the company because there is a freeze on my account. The credit card company, in the letter, said to contact Experian to remove the freeze. I checked my account on the Experian webpage and called. the webpage and the AI assistant said there is no freeze. I then called the credit card company and they insist there is a freeze that has to be removed by Experian or get a PIN number to move forward. I am unable to speak to a representative at Experian, so I can't get a PIN number. I have spoken to at least four different departments at XXXX XXXX, to no avail. I am unable to get past the XXXX at Experian. I have have working on this for over an hour with great frustration and no success.

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 2025-10-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I called in 4 separate times to resolve this issue. I was told they can not give credit for payment made to the previous company, even though Shellpoint Mortgage Servicing has records of it being made to XXXX XXXXXXXX XXXX 

Shellpoint Mortgage Servicing XXXX XXXX XXXX XXXX, SC XXXX Subject : Missing Credit for Payment of {$220.00} Made on XX/XX/year> for XX/XX/year> To Whom It May Concern, I am writing to formally dispute an issue regarding a payment I made to XXXX XXXXXXXX XXXX in the amount of {$220.00} on XX/XX/year> for XX/XX/year>, which has not been credited to my loan payment. 
The payment was made via online payment and was intended to cover my monthly mortgage payment. I have verified with my financial institution that the payment was successfully processed and cleared on XX/XX/year>. 
Despite this, the payment does appear on my loan account records, and I am now receiving notices suggesting that the payment is missing or overdue. I respectfully request that you investigate this matter promptly and ensure the payment is correctly applied to my account. 
Please confirm receipt of this letter and notify me in writing once the issue has been resolved. If further documentation is needed, I am happy to provide it. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX Loan Number : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation