vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-25 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: NY

Complaint narrative:
XXXX De XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XXXX XXXX TO : TRANSUNION XXXX XXXX XXXX XXXX XXXXXXXX EXPERIAN P.O XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX Date XXXX I received a copy of my credit report and found the following items to be errors. The items in question are listed below : Creditor Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Creditor Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Creditor Name : XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATION associated with these accounts, such as an ORIGINAL CONTRACT BEARING MY SIGNATURE. I formally request that this information be immediately corrected or deleted from the credit file you maintain under my social security number. 
Please note that you have 30 days to complete your investigation as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ). I am keeping a careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this letter will result in a small claims action against your company. I will be seeking damages for : Defamation Violation of the Fair Credit Reporting Act Please be aware that, depending upon your response, I may be detailing any potential issues with your company via the XXXX XXXX XXXX 
Additionally, please remove all non-account holding inquiries over 30 days old. 
Thank you for your cooperation in this matter. 
Sincerely, XXXX XXXX XXXX XXXXXXXX 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 2025-12-25 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:
XXXX De XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XXXX XXXX TO : TRANSUNION XXXX XXXX XXXX XXXX XXXXXXXX EXPERIAN P.O XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX Date XXXX I received a copy of my credit report and found the following items to be errors. The items in question are listed below : Creditor Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Creditor Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Creditor Name : XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATION associated with these accounts, such as an ORIGINAL CONTRACT BEARING MY SIGNATURE. I formally request that this information be immediately corrected or deleted from the credit file you maintain under my social security number. 
Please note that you have 30 days to complete your investigation as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ). I am keeping a careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this letter will result in a small claims action against your company. I will be seeking damages for : Defamation Violation of the Fair Credit Reporting Act Please be aware that, depending upon your response, I may be detailing any potential issues with your company via the XXXX XXXX XXXX 
Additionally, please remove all non-account holding inquiries over 30 days old. 
Thank you for your cooperation in this matter. 
Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt XXXX to cease collection activities and provide proper validation of the debt when requested in writing within XXXX  days of initial contact. The accounts Ive referenced are not XXXX XXXX accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: OH

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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 2025-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: CITIBANK, N.A.
State: PA

Complaint narrative:
Citi Bank is reporting a hard credit inquiry that I did not authorize. In response to my prior CFPB complaint, Citi claimed that an in-person application occurred. This statement is conclusory and unsupported by evidence. 

Citi has failed to provide any documentary proof that I authorized this inquiry, including but not limited to a signed application, electronic application records, IP address data, device identification, branch location, employee ID, or method of identity verification used. 

Under the Fair Credit Reporting Act, a furnisher XXXX not report information unless it has a permissible purpose and must be able to verify the accuracy of the information reported. Simply asserting that an application occurred does not satisfy XXXX statutory obligations under FCRA 604 and 611. 

I formally requested verification of authorization and Citi has failed to provide the method of verification required by law. Reporting an unverifiable inquiry constitutes inaccurate and unlawful credit reporting. 

Additionally, continuing to report this inquiry after being placed on notice of a dispute constitutes willful noncompliance with the FCRA.

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 2025-12-25 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( a ) A person shall 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. 

Delete the accounts below : XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXXXXXX TRANSUNION XXXX XXXX XXXXXXXX TRANSUNION

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 2025-12-25 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX # XXXX XX/XX/XXXX - {$1000.00} XXXX XXXX # XXXX XX/XX/XXXX - {$19000.00} XXXX XXXX # XXXX XX/XX/XXXX - {$22000.00} XXXX XXXX # XXXX XX/XX/XXXX - {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$5200.00} XXXX  XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - {$58000.00} XXXX XXXX # XXXX XX/XX/XXXX - {$9400.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX - {$29000.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - {>= $1,000,000}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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:
The late payment entries currently appearing on my credit report are inaccurate and do not accurately reflect my true payment history. I have submitted multiple requests for investigation and correction of these discrepancies ; however, no meaningful or corrective action has been taken. Despite providing all requested documentation and following up in good faith, these errors remain unresolved. 

The continued reporting of inaccurate information has caused substantial financial harm and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a consumer credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information that is inaccurate, misleading, or can not be verified. Your failure to address these inaccuracies after repeated notice constitutes a violation of my rights under federal law.

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 2025-12-25 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: DC

Complaint narrative:
I am submitting this formal notice under the Fair Credit Reporting Act 15 U.S.C. 1681c-2 FCRA 605B and 623 as a verified victim of identity theft. I have submitted documentation and supporting evidence including my FTC Identity Theft Report regarding fraudulent inquiries that were opened without my knowledge or consent. Despite prior submissions these inquiries or their related information continue to appear or remain unblocked in my file. The following fraudulent inquiries must be permanently blocked and deleted from my credit file and any future reinsertion of this or related inquiries must be automatically prevented per FCRA 605B ( c ) ( 1 ) and XXXX ( a ) ( XXXX ) ( B ) FRAUDULENT HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were opened or initiated by unknown parties using my stolen identity as confirmed in my FTC Identity Theft Report. I never authorized or consented to any application or extension of credit connected to these inquiries. I demand that under FCRA 605B ( b ) you Permanently block all information related to the fraudulent inquiries listed above Delete all existing records inquiries or derivative data connected to these inquiries Ensure future suppression preventing any of these or related inquiries from reappearing in my credit report Provide written confirmation of the completed block and deletion within the statutory 4 business days of receipt of this notice Notify all furnishers involved that this information has been identified as fraudulent and must not be re-reported under FCRA 623 ( a ) ( 6 ) ( B ) This request also extends to any fraudulent inquiries or information not currently visible in my credit file but mentioned in my FTC Identity Theft Report. Those must be preemptively blocked to prevent appearance or reinsertion. Failure to comply constitutes a willful violation under FCRA 605B ( d ) and 623 ( a ) ( 6 ) and may result in statutory damages attorney fees and civil liability under 15 U.S.C. 1681n and 1681o. Please confirm in writing that all fraudulent information related to these inquiries has been permanently deleted and blocked from future reporting.

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 2025-12-25 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: IL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as Public Record - US BKPT CT XXXX XXXX XXXX XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court U.S BANKRUPTCY COURT that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
This is my fourth complaint. See XXXX and XXXX. 

Again the request : 1. DataX will place a credit freeze on my account.

2. DataX will NOT require any information to be physically mailed.

3. DataX may receive the information they require over the phone.

4. DataX may receive the information they require by providing an online portal similar to Experian, Equifax, and Transunion.

5. DataX may receive the information they require through any secure online transfer service. 

The latest response is : Dear XXXX XXXX, Thank you for contacting DataX. It is our policy to confirm a consumer 's identity in writing prior to releasing confidential information. You must include a legible copy of your Social Security XXXX, XXXX Form, or XXXX Form, along with documentation confirming your current address ( i.e. State ID, Drivers License, Utility Bill, or Bank Statement ) so that we can validate your identity prior to sending sensitive personal information. If you decide that you would like to move forward with requesting information from DataX and would like to track your documents to see when they are received, you XXXX certify your mail via XXXX Mail. To keep your personal information protected and secure, we ask that you mail completed forms and related documents to the address provided below : XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX If you have any questions, please do not hesitate to contact the XXXX XXXX XXXX at XXXX Sincerely, XXXX Customer Service Why this is not acceptable : No other credit reporting agency requires customers to mail in documentation for verification. All other agencies allow customer to verify and freeze accounts over the phone or online. Mailing in this documentation is a security risk. 

Their stated policy of requiring verification in writing is insecure and unacceptable. 

Please note : Their response was : " ... so that we can validate your identity prior to sending sensitive personal information. '' I am not asking them to send anything ; I am asking them to put a freeze on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: NY

Complaint narrative:
I am disputing an XXXX XXXX credit card account that was fraudulently opened in my name on or about XX/XX/XXXX. I did not apply for, authorize, or use this account. I have been continuously XXXX  since XX/XX/XXXX, which makes it impossible for me to have opened or managed this account. 
This account is the result of identity theft. I have official documentation from the U.S. Department of Justice, XXXX XXXX XXXX XXXX, verifying my XXXX  during the time this account was opened. 
I am requesting that XXXX immediately investigate this identity theft, close the account, cease collection activity, and instruct all consumer reporting agencies to delete this account in full under the Fair Credit Reporting Act ( FCRA ), including Sections 605B and 611. 
Please provide written confirmation that this fraudulent account has been removed from my credit reports.

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 2025-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX. This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) That you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. This fraudulent, Inaccurate, and false Information consists of a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question, 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 as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned account collections and hard inquiries appearing on my consumer credit report, maintained by you, were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
I am formally demanding that Goodleap, LLC arrange and pay for the immediate deinstallation, and removal of the non-functional solar panels installed by XXXX XXXX XXXX on my property on XXXX. 

The system was financed through Goodleap under a XXXX XXXX on XX/XX/XXXX, but has never workedXXXX energy production since installation. In addition, the cost of energy doubled because of the installation of the solar panels. XXXX XXXX XXXX filed for bankruptcy in XXXX, leaving me with no warranty support, no repairs, and a defective product I never received the benefit of. I have rightfully ceased payments due to total failure of consideration and breach of contract.

Company response to consumer: Closed with explanation