vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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:
I need you to look into the mistakes on my credit report immediately. These inaccuracies have been stressing me out and its affecting everything. It is disheartening to know that my rights as a consumer is being violated. I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. Make sure all this information is 100 % correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-07-16 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: NY

Complaint narrative:
I am writing to formally state that there is a fraudulent collection account listed on my credit report that does not belong to me. This false account is negatively impacting my credit score, causing harm to my financial 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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, XXXX, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
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 2025-07-16 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: PA

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 explanation
Consumer complaint received 2025-07-16 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: PA

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 non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: IA

Complaint narrative:
XXXX XXXX has my student loan 120 days behind. But I'm in a forbearance which was applied. 
I had a credit card with my ex from XXXX. I'm was added as a joint user. That card was reinvestigation at some point. Available balance was $ XXXX. That credit card is with XXXX XXXX. 

I was denied credit today. I got a letter of deny but it says my credit score will not a affected. But I was I lost more points. Also with XXXX XXXX! 

I have a old account with XXXX XXXX in XXXX. I was refunded on a credit card, my limit was {$300.00}. My refund put me over XXXX limit. XXXX XXXX closed that account and now say I owe the {$120.00}. When the refund was returned to my credit card, I couldn't use my it because it was over my limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: OH

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 2025-07-16 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Your Phone Number ) ( Your Email ) XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : URGENT Dispute Request for Immediate Removal of Unauthorized Hard Inquiries Under 15 U.S.C. 1681 To Whom It May Concern, I am filing this formal complaint to demand the immediate investigation and removal of unauthorized and fraudulent hard inquiries reported on my credit file. These inquiries were made without my knowledge, consent, or any permissible purpose, and thus violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

The following inquiries are in dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These entities accessed my credit file without authorization, in violation of : 15 U.S.C. 1681b ( f ) Prohibits obtaining a consumer report without a permissible purpose or consumer authorization.

15 U.S.C. 1681n and 1681o Establish civil liability for willful and negligent noncompliance with FCRA requirements.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Requires reinvestigation of disputed information within 30 days.

15 U.S.C. 1681c-2 Provides for blocking of fraudulent information, including inquiries resulting from identity theft, within four business days of receiving proper documentation.

These hard inquiries are not only unauthorized, but they are also causing irreparable damage to my creditworthiness. Given the urgency and the clear violations of federal law, I am requesting their immediate removal within 24 hours.

Enclosed/attached are : A copy of my government-issued ID A proof of address A copy of my credit report, highlighting the unauthorized inquiries Please confirm the removal of the disputed inquiries and provide written documentation of the results of your investigation. Should this matter not be resolved immediately, I am prepared to file complaints with the FTC, the Ohio Attorney General, and pursue legal action as necessary. 

Thank you for your prompt attention to this serious matter. 

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 explanation
Consumer complaint received 2025-07-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2025-07-16 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: TX

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I have repeatedly requested full and proper validation of an alleged debt Calvary Portfolio Services is attempting to collect on behalf of XXXX ( XXXX account ending in XXXX ). Despite sending certified dispute and validation letters on XX/XX/year> and XX/XX/year>, Calvary failed to provide the legally required documentation under the FDCPA ( 15 USC 1692g ). 

Instead, I received conflicting form letters dated XX/XX/XXXX and XX/XX/XXXX, one stating they could not investigate due to lack of information, and another claiming the account was verified as accurate. These contradictory responses are inadequate and do not meet the legal standards for debt validation. 

On XX/XX/year>, Calvary sent yet another letter repeating the same position without providing any proof no signed agreement, no itemized accounting, no chain of title. This ongoing failure to validate the debt while continuing to report and collect violates both the FDCPA and FCRA. 

Attached are screenshots from both XXXX  and XXXX XXXX. 
XXXX  properly shows XXXX as the original creditor. 
XXXX  falsely lists Cavalry Portfolio Services as the original creditor, which is inaccurate and misleading under the FCRA. 
These conflicting credit entries further demonstrate the reporting errors and ongoing violations of my rights. This mislabeling violates the Fair Credit Reporting Act and adds confusion to an already disputed and unvalidated account. 

I am submitting this CFPB complaint to report their continued violations, misleading reporting, and failure to validate the debt as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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 writing to formally state that there is a fraudulent collection account listed on my credit report that does not belong to me. This false account is negatively impacting my credit score, causing harm to my financial 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 2025-07-16 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: NC

Complaint narrative:
Im reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine.

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own. 

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is 100 % accurate and verifiably connected to me. In this case, that standard is not being met.

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 2025-07-16 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: NC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of thXXXX XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I'm reaching out to demand the immediate deletion of a tradeline currently being reported on my credit file. The information being reported is not accurate, and more importantly, it is not being reported with the maximum possible accuracy, as required by law. Thats not just a technicality thats a clear violation of the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ). 

Let me be clear : If you can not report this tradeline with 100 % precision down to every detail, from dates to balances to payment history then you have no legal right to report it at all. Reporting partial, inconsistent, or unverifiable data is not only misleading, it directly damages my creditworthiness and credibility as a consumer. Thats not something I take lightly.

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 2025-07-16 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Today XX/XX/XXXX I had called about moving line of credit for my credit card the agent went ahead and did it and for some reason was not able to when logging into my app my account was closed it was a processing error I spoke to multiple agents supervisors for more than 2 hours they said as the account is closed it cant be reopened which is ridiculous they made a processing error on there end and this will affect my credit report and score I never gave permission or consent to close my credit card I should not be penalized I never missed a payment on the card recently active and should have my card reinstated Chase Bank Freedom unlimited credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
In XXXX  I entered into a solar financing agreement with GoodLeap based on the representations and promises made by their partner, XXXX XXXX, during the sales process. I was told repeatedly that installing solar panels would virtually eliminate my electricity bill, that all excess energy would be sent to the grid, and that I would receive monthly credits or rebates from my utility provider, making the system highly cost-effective. 

None of these promises were true. 

The entire sales pitch was built on false claims, exaggerations, and misleading assurances designed to make me feel like this was a financially smart and risk-free decision. I was pressured to sign quickly, told I would " start saving immediately, '' and assured there were no hidden fees or performance issues to worry about. At no point was I told that my utility bill might remain the same or that solar production could be minimal depending on system output or design. 

After installation, my electricity bill remained virtually unchanged. I now have the added financial burden of a solar loan payment to GoodLeap for a system that is not producing enough power to make a meaningful difference. I contacted my energy provider ( XXXX ), who confirmed in writing that the buyback or grid return is negligible further proving the system is not performing as promised. 

I contacted GoodLeap and provided documentation, expressing that I had been misled and was suffering serious financial consequences due to this misrepresentation. Despite this, GoodLeap refused to cancel or reevaluate the loan and continues to demand payment.

To be clear : I was misled at the point of sale.

I never would have agreed to this loan had I been told the truth.

I am now facing utility disconnection notices and financial hardship because Im paying for both a full energy bill and a solar loan for a system that is not delivering any of the promised savings.

This was a deceptive sale, followed by GoodLeaps failure to hold its partner accountable or protect the consumer.

I am requesting that GoodLeap : Cancel the loan entirely due to fraudulent misrepresentation at the time of sale ; Remove the account from my credit report ; Reimburse any payments made toward a system that does not work as promised ; Cease all billing, interest, and collections related to this loan. 

I am asking the CFPB to please step in and hold GoodLeap accountable for enabling and financing deceptive solar sales practices that have caused me severe financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: McNeil & Meyers Asset Management Group, LLC
State: CA

Complaint narrative:
Collection company is calling me and emailing me constantly about if i don't pay them they are going to take me to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
Subject : Fraudulent Zelle Transaction Urgent I am reporting a fraudulent Zelle transaction in the amount of {$800.00} that I sent on XX/XX/2025, to XXXX, listed under the name XXXX XXXX. 

The payment was made because I was tricked by someone impersonating my cousin, whose account had been compromised. The individual contacted me using my cousins identity and claimed they urgently needed help. Believing I was helping a family member, I sent the money. I later confirmed that my cousins account was hacked and I had been defrauded. 

This transaction was not authorized with full and informed consent it was made under fraudulent pretenses, and I respectfully request that you : XXXX. Open a formal fraud investigation. 
XXXX. Attempt to recall or reverse the transaction if the funds have not been withdrawn. 

I can provide : A statement from my cousin confirming their account was hacked. 
Screenshots of the communication with the scammer. 
The Zelle transaction confirmation. 

Please let me know the next steps to support this fraud claim. I am willing to file a police report if needed, and I have already begun gathering evidence. 

Thank you for your immediate attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
I am a victim of identity theft and have a current police report on file with Chex Systems. The following inquiries viewed by other and the inquiries viewed by me thats currently listed and showing on my Chex Systems Consumer Report ID # : XXXX is fraudulent and unauthorized inquiries and not my inquiries XXXX XXXX XXXX XXXX XXXX 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