vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable accounts on my credit report. 
Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureau is required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable.

Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ). 
The CFPBs XX/XX/year> enforcement action against XXXX  ( resulting in a {$15.00} XXXX penalty ) confirms that these automated or superficial checks do not meet the reinvestigation requirements of the law. 
I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. 


XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-14 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:
I am formally disputing the accuracy and validity of the following items listed on my credit report. I assert that these items are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXX XXXX  XXXX Balance {$840.00} DATE OPEN : XXXX XXXX XXXX XXXX Balance {$610.00} DATE OPEN : XXXX XXXX  XXXX XXXX Balance {$0.00} DATE OPEN : XXXX XXXX XXXX XXXX Balance {$0.00} DATE OPEN : XXXX XXXX XXXX XXXX Balance {$0.00} DATE OPEN : XXXX XXXX  XXXX XXXX Balance {$0.00} DATE OPEN : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} DATE OPEN : XXXX XXXX XXXX XXXX Balance {$0.00} DATE OPEN : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} DATE OPEN : XXXX XXXX XXXX  XXXX Balance {$0.00} DATE OPEN : XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX  bankruptcy : Bankruptcy Reference Number : XXXX Balance : {$0.00} XXXX  XXXX VIA DEALER Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX XXXX XXXXXXXX XXXX Inquiry : XX/XX/year>XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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:
I am formally disputing the accuracy and validity of the following items listed on my credit report. I assert that these items are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXX XXXX  XXXX Balance {$840.00} DATE OPEN : XXXX XXXX XXXX XXXX Balance {$610.00} DATE OPEN : XXXX XXXX  XXXX XXXX Balance {$0.00} DATE OPEN : XXXX XXXX XXXX XXXX Balance {$0.00} DATE OPEN : XXXX XXXX XXXX XXXX Balance {$0.00} DATE OPEN : XXXX XXXX  XXXX XXXX Balance {$0.00} DATE OPEN : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} DATE OPEN : XXXX XXXX XXXX XXXX Balance {$0.00} DATE OPEN : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} DATE OPEN : XXXX XXXX XXXX  XXXX Balance {$0.00} DATE OPEN : XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX  bankruptcy : Bankruptcy Reference Number : XXXX Balance : {$0.00} XXXX  XXXX VIA DEALER Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX XXXX XXXXXXXX XXXX Inquiry : XX/XX/year>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 non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I know that I deposited XXXX and got 0 % interest. 
But they charged me a transaction fee of XXXX and also applied 21 % interest, so I wanted to take one out of the two.

I said I would pay the entire amount if you gave me one of the two.

BoA said they can't resolve it.

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 monetary relief
Consumer complaint received 2025-07-14 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I never opened an account with Goldman Sachs, I've been the target of scams for almost a year now. They are opening or attempting to open accounts in my name and using my old address. Please see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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 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 2025-07-14 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 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 2025-07-14 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: 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 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 non-monetary relief
Consumer complaint received 2025-07-14 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
Mailed letter to XXXX XXXX XXXX disputing item and demand a deletion and stop collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XX/XX/XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX, mi XXXX To Whom This May Concern, i have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt.

This letter is to inform you that i have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that i am indeed the party who is contractually bound to pay off this debt or stop collection and remove it all together.

Please attach copies of the following documents : - Agreement that you have the authority to collect on this alleged debt.

- Agreement that bears signature of the alleged debtor with promises to pay the original creditor.

- Complete payment history on this account, to prove that the amount you wish to collect is correct.

I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: MO

Complaint narrative:
My federal student loan servicer, Aidvantage, has reported a late payment that is incorrect. According to my online portal, my repayment schedule does not begin until XX/XX/year>, but they reported my account as past due on XX/XX/year>. I proactively made a payment of {$150.00} on XX/XX/year>, as a precaution, even though I never received clear notice that a payment was required. The only emails I received were generic reminders with no due date or statement attached. This error has caused my credit score to drop significantly. I have contacted Aidvantage to fix this and update the credit bureaus but have not received proper resolution. I am requesting that the CFPB require Aidvantage to investigate and remove the inaccurate late payment from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX. 
XXXX, MA XXXX Re : Account number XXXX Verification Letter Dear Credit Collections ; I am responding to your contact about an alleged debt you are trying to collect. You contacted me by phone and identified the alleged debt as a collection.

Please supply the information below so that I can be fully informed about the alleged debt : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the alleged debt is currently owed.

The name and address of the original creditor and any other names used.

A copy of the original contract or other agreement.

The name of any other person that is or was required to pay the alleged debt.

The amount and age of the debt, including : Provide a copy of the last billing statement sent to me by the original creditor.

State the amount of the alleged debt when you obtained it.

State the date when you obtained the alleged debt.

Provide an itemized list of any alleged interest, fees, or charges since the last billing statement from the original creditor.

Provide a copy of any agreement expressly authorizing such interest, fees, or additional charges.

Provide an itemization showing any payments since the last billing statement from the original creditor.

State when the creditor claims this debt became due and when it became delinquent.

Identify the date of the last payment made on this account. State when you think the statute of limitations expires for this debt, and how you determined that.

Details about your authority to collect this debt, including : Provide the number of any license to collect debt in ( Florida ) and The name of the issuing agency.

Provide the number of any license to collect debt in the state where you are located and the name of the issuing agency.

Please treat this debt as disputed until you provide the information requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I have had no luck obtaining a copy of my credit report from Equifax and Experian. I was successful getting confirmation on Trans Union. My request were completed on the phone through the credit request portals. I hereby attach a copy of my drivers license confirming my identity. Therefore, I respectfully request a copy of my credit reports to be mailed to my home address. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Solar Mosaic LLC
State: TX

Complaint narrative:
CORPORATE IDENTITY THEFT - UNAUTHORIZED SOLAR LOAN AFTER PROJECT CANCELLATION In XX/XX/XXXX, I cancelled solar installation project # XXXX with XXXX XXXX XXXX ( XXXX Business XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ). XXXX XXXX XXXX and XXXX XXXX provided written confirmation of project cancellation, since no materials were moved to the installation site. 

Despite this cancellation, XXXX XXXX fraudulently used my personal information to open an unauthorized {$17000.00} Solar Mosaic LLC loan ( Account # XXXX, opened XX/XX/XXXX ) for the cancelled project. This constitutes corporate identity theft. 

Solar Mosaic acknowledged the project cancellation and initially set a XX/XX/XXXX deadline to resolve the fraudulent account. However, despite acknowledging cancellation, Solar Mosaic continued billing and even emailed demanding first payment for XX/XX/XXXX. 

I never authorized this loan. The solar project was cancelled before installation. XXXX XXXX obtained this credit fraudulently using my identity for a non-existent project, and Solar Mosaic refuses to close the unauthorized account despite acknowledging cancellation. 

The fraudulent account now appears on my credit report as XXXX Mosaic account * XXXX. I have filed FTC Identity Theft Report # XXXX and XXXX XXXX XXXX XXXX XXXX police report # XXXX documenting this corporate fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> Subject : Formal Dispute of Inaccurate Account Reporting XXXX XXXXXXXX XXXX, To whom this may concern, I am writing to formally dispute the accuracy and validity of an account currently reported on my credit file under the name XXXX XXXX XXXX, Account # XXXX. 

I dispute the completeness and accuracy of this entry for the following reasons : XXXX. I have not received any proof that XXXX XXXX XXXX owns this debt. 
I have requested validation including the Bill of Sale and Purchase Agreement, but they have failed to provide these documents. Therefore, I have no confirmation that this company has the legal right to report or collect this alleged debt. 
XXXX. The debt has been securitized. 
Based on public filings and financial records ( including a XXXX form I am attaching ), this alleged debt has been bundled and sold as part of a financial security. That means the original creditor, XXXX XXXX, no longer owns it and has no standing to assign it for collection. If XXXX XXXX does not legally own the debt, they have no right to report it on my credit report. 
XXXX. This account is causing harm to my credit and personal well-being. 
Until this debt is validated or removed, it continues to negatively impact my credit and cause me undue stress. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you immediately investigate this account, request proper documentation from the furnisher ( XXXX XXXX XXXX ), and delete the account from my credit report if they can not prove their legal authority to report it. 

Please mail me a copy of the results of your investigation, along with an updated copy of my credit report. 

Thank you for your time and cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> Subject : Formal Dispute of Inaccurate Account Reporting XXXX XXXXXXXX XXXX, To whom this may concern, I am writing to formally dispute the accuracy and validity of an account currently reported on my credit file under the name XXXX XXXX XXXX, Account # XXXX. 

I dispute the completeness and accuracy of this entry for the following reasons : XXXX. I have not received any proof that XXXX XXXX XXXX owns this debt. 
I have requested validation including the Bill of Sale and Purchase Agreement, but they have failed to provide these documents. Therefore, I have no confirmation that this company has the legal right to report or collect this alleged debt. 
XXXX. The debt has been securitized. 
Based on public filings and financial records ( including a XXXX form I am attaching ), this alleged debt has been bundled and sold as part of a financial security. That means the original creditor, XXXX XXXX, no longer owns it and has no standing to assign it for collection. If XXXX XXXX does not legally own the debt, they have no right to report it on my credit report. 
XXXX. This account is causing harm to my credit and personal well-being. 
Until this debt is validated or removed, it continues to negatively impact my credit and cause me undue stress. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you immediately investigate this account, request proper documentation from the furnisher ( XXXX XXXX XXXX ), and delete the account from my credit report if they can not prove their legal authority to report it. 

Please mail me a copy of the results of your investigation, along with an updated copy of my credit report. 

Thank you for your time and cooperation. 

Sincerely, 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 non-monetary relief