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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
b'XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXXExperian XXXX XXXX XXXX TX XXXXn \nDear Experian\n \nSubject: Rest to Block and Delete Fraudulent Accounts  Identity Theft Victim\n \nDear Experian Consumer Services,\nI am writing to formally request the blocking and deletion of fraudulent accounts and inquires and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically\npursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Experian\ndata breach, and unauthorized accounts have been fraudulently opened in my name.\nThe fraudulent accounts that I have identified on my credit report are as follows:\n1. XXXXXXXX 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 XXXXnUnder 15 U.S.C.  1681c-2(a), I request that Experian promptly block and delete the\nfraudulent accounts from my credit file to prevent further harm to my credit profile.\nFurthermore, I request written confirmation that these accounts have been removed, as well as\nan updated copy of my credit report reflecting these changes.\nIf you require any further information or documentation to process this request, please contact\nme immediately at the phone number or email provided above.\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my\ncredit report remains accurate and free from fraudulent activity\n \nXXXX 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 2025-07-14 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : 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 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX regarding an erroneous bill for a service I did not receive or authorize, which is now negatively impacting my credit score. I seek your assistance in resolving this matter and correcting the associated credit reporting error. 
Details of the Incident : In XXXX of XXXX, I visited a XXXX store at XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX to inquire about switching my cell phone and number from another XXXX to XXXX. The store attendant attempted to port my phone but determined that my device was incompatible with XXXX network. The attendant apologized, stating that XXXX could not provide me service, and I left the store without purchasing a phone, transferring my number, or activating any account. 
Approximately XXXX month later, I received a bill from XXXX for {$110.00} despite not having received any service, a phone or authorized any account creation. The bill does not specify what the charges are for. I contacted XXXX customer service by phone in XXXX of XXXX to dispute the bill, but they claimed the charge was for creating an account and refused to provide further assistance or cancel the bill. This unauthorized account has since been reported to credit bureaus, resulting in a negative impact on my credit score, as evidenced by a recent credit report from Equifax showing a collections account. 
XXXX XXXX : I did not authorize the creation of a XXXX account. 
No services were provided, as my device was incompatible with XXXX network. 
The bill lacks clarity on the charges, and XXXX has failed to justify or resolve the issue. 
The erroneous bill has led to unjustified collections activity, harming my credit score. 
Requested Resolution : I respectfully request the following : XXXX. XXXX cancellation of the unauthorized XXXX account and associated bill. 
XXXX. Removal of any negative credit reporting related to this account from all credit bureaus ( Equifax, Experian, 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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX regarding an erroneous bill for a service I did not receive or authorize, which is now negatively impacting my credit score. I seek your assistance in resolving this matter and correcting the associated credit reporting error. 
Details of the Incident : In XXXX of XXXX, I visited a XXXX store at XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX to inquire about switching my cell phone and number from another XXXX to XXXX. The store attendant attempted to port my phone but determined that my device was incompatible with XXXX network. The attendant apologized, stating that XXXX could not provide me service, and I left the store without purchasing a phone, transferring my number, or activating any account. 
Approximately XXXX month later, I received a bill from XXXX for {$110.00} despite not having received any service, a phone or authorized any account creation. The bill does not specify what the charges are for. I contacted XXXX customer service by phone in XXXX of XXXX to dispute the bill, but they claimed the charge was for creating an account and refused to provide further assistance or cancel the bill. This unauthorized account has since been reported to credit bureaus, resulting in a negative impact on my credit score, as evidenced by a recent credit report from Equifax showing a collections account. 
XXXX XXXX : I did not authorize the creation of a XXXX account. 
No services were provided, as my device was incompatible with XXXX network. 
The bill lacks clarity on the charges, and XXXX has failed to justify or resolve the issue. 
The erroneous bill has led to unjustified collections activity, harming my credit score. 
Requested Resolution : I respectfully request the following : XXXX. XXXX cancellation of the unauthorized XXXX account and associated bill. 
XXXX. Removal of any negative credit reporting related to this account from all credit bureaus ( Equifax, Experian, 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 2025-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Sunnova Energy Corporation
State: TX

Complaint narrative:
Sunnova, a solar power company. Along with their third party sales team, mislead me to be believe I would be receiving a lower electric bill after purchasing their solar panel product. I was told I would receive a check in the mail for unused electricity power, after six months of service. The check never came and my electric bill doubled. I began paying two bills. One for my current electric bill and another for my solar panel product. 
My wife is the primary owner and I am the co- owner. We both never manually signed any contract. I requested Sunnova to remove the panels due to misleading me in the process. They refused and instead charged off the debt and applied it to my credit in the amount of XXXX dollars.

Company response to consumer: Untimely response
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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
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 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 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 explanation
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX XXXX XXXX ] Account Number : [ 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 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 — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This complaint is not a mistake. My credit report contains inaccuracies that do not meet the required standard of maximum possible accuracy. These errors are having a serious and ongoing negative impact on my financial well-being during an already difficult time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company 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: 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: CA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a debt validation request to XXXX XXXX XXXX XXXX regarding an alleged debt for XXXX XXXX XXXX XXXX Acct XXXX XXXXXXXX ). They acknowledged receipt but failed to provide proper validation per 15 U.S.C. 1692g and 15 U.S.C. 1681s-2 ( b ). They stated they were unable to verify or investigate the debt within the timeframe required. I am requesting CFPB intervention to ensure this unverifiable account is permanently deleted from all credit reporting agencies and that no further collection attempts are 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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a debt validation request to XXXX XXXX XXXX XXXX regarding an alleged debt for XXXX XXXX XXXX XXXX Acct XXXX XXXXXXXX ). They acknowledged receipt but failed to provide proper validation per 15 U.S.C. 1692g and 15 U.S.C. 1681s-2 ( b ). They stated they were unable to verify or investigate the debt within the timeframe required. I am requesting CFPB intervention to ensure this unverifiable account is permanently deleted from all credit reporting agencies and that no further collection attempts are made.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-07-14 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: CT

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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: GA

Complaint narrative:
There are several inaccuracies on my credit report that are needing attention

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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Westlake Services, LLC
State: NC

Complaint narrative:
In early 2025, I was fraudulently enrolled in a loan by a company called XXXX. I did not authorize or agree to any services. The loan was created without my full understanding or consent and was processed through Covered Care ( serviced by Westlake Portfolio Management ). 

The total amount of the loan was approximately {$8400.00}, with monthly payments around {$310.00}. I never agreed to this debt and have been trying to dispute it ever since it appeared. 

I contacted my credit card company in XXXX XXXX to report the charges as fraudulent. I also contacted Westlake Portfolio Management ( Covered Care ) multiple times to dispute the loan and formally requested that they cancel the loan, cease collection efforts, and stop reporting to credit bureaus. 

In response, Westlake placed a temporary hold until XXXX XXXX XXXX, but stated they could only cancel the loan if XXXX the provider who committed the fraud contacted them directly. XXXX has become unreachable and is not responding to any communication. 

I believe I am being unfairly held responsible for a loan I never agreed to, with no reasonable path to resolve it, as the company that committed the fraud has gone silent. I am XXXX XXXX XXXX and doing everything in my power to fix this situation, but I am being ignored and deflected by the loan servicer. I am requesting the CFPBs help to have this loan canceled, and for all collection and credit reporting to cease immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This account is unauthorized & it is not mine. Id like this account to be removed immediately from my credit report using code 15 USC 1681 C-2

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