vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sunnova Energy Corporation
State: MD

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX. I am submitting this formal complaint in follow-up to the complaint filed on XX/XX/year>, under reference number XXXX. The company involved has failed to take corrective action to remove inaccurate and unlawful information from my credit report, in direct violation of federal law. 

The creditor in question has reported an account as paid and closed, yet continues to reopen and reclose the account without cause, which constitutes false and misleading reporting. This is in violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) Furnishers of information must not report information that is known or should be known to be inaccurate. 

15 U.S. Code 1681i Consumer reporting agencies must conduct a reasonable investigation of disputed information and correct or delete inaccurate data within 30 days.

15 U.S. Code 1666b Requires accurate and timely crediting of payments and treatment of account activity. 

Additionally, I was verbally informed by the creditor that if I transferred the account from my personal name to my XXXX, the inaccurate tradeline would be removed. This account was originally intended to be under my XXXX at the time of contract signing, as the property associated with the account is owned by the XXXXnot me personally. 

Despite following the creditors directive and taking corrective steps, the inaccurate information has not been removed. This amounts to misrepresentation and deceptive trade practices, potentially violating : 15 U.S. Code 1692e ( 10 ) Under the Fair Debt Collection Practices Act ( FDCPA ), the use of any false representation or deceptive means to collect or attempt to collect any debt is prohibited. 

15 U.S. Code 45 Under the Federal Trade Commission Act, unfair or deceptive acts or practices in or affecting commerce are unlawful. 

This creditors actions have caused significant and ongoing harm to my personal credit profile and financial standing. I am demanding the immediate removal of the inaccurate and unlawful information from all consumer reporting agencies. 

Failure to comply will result in legal action being pursued to seek remedies under all applicable federal consumer protection statutes.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PNC Bank N.A.
State: ID

Complaint narrative:
I filed a hardship application the beginning of XXXX. After months of sending in every document they asked for, I was approved for a 3 month forbearance the beginning of XXXX for XXXX, XXXX and XXXX. I had already made my XXXX payment, so they refunded the payment. XXXX XXXX, I got a notice that I would have to pay the missed 3 months at the end of the forbearance. I was shocked and upset. I called them to figure out what was happening and was told that if I couldn't pay it to current, they would just add the missed payments to the end of my term. I felt a lot better until recently when they have insisted that I fill out the same application as before and then they will look into whether I will be approved for the deferral. I've fought with them, but filed out their application anyway and asked if they needed any other documents because I didn't want to go through months of XXXX again for literally nothing. They told me no. Then they told me I needed to submit documents and the agent was extremely rude. I asked for a manager and she said she'd submit a callback request for me. That was 6 days ago and I still haven't gotten a call. I checked my credit score today and it has dropped over XXXX points because of their error in reporting. I made my XXXX payment as agreed on, so there's no reason my credit score should have taken any hit, let alone such a large one. I'm so frustrated and wish I had never opened my loan through PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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:
This letter serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested the following accounts listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with XXXX compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions.

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed account. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law.

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights.

You have 30 days from the date of this letter to provide the following : 1.Actual verification of the disputed accounts, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher.

2.A detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information.

3.The names, contact information, and job titles of the individuals who handled my dispute.

4.A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ).

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs.

The following accounts do not belong to me, as they are fraudulent. The banks have agreed to remove these accounts from my records. Im confused why you still feel theyre reporting accurately. Please see these accounts are fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

XXXXXXXX XXXX XXXXXXXX

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 2025-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Trans union stated Lack of real estate secured loan information Balances on accts too high compared to credit limits and loan amounts Too few accounts paid as agreed Not enough balance paid down over time on installment accounts was the reason I was denied a credit card. I believe the information is incorrect and bias.

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 2025-06-15 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: WA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report. I have identified several significant discrepancies that do not accurately reflect my actions or financial history. Specifically, these inaccuracies were made without my consent. I kindly request your investigation and removal of the following items : Inquiries : XXXX XX/XX/year> XXXX XX/XX/year> Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Personal Information : Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate and unauthorized information on my credit report. I recently received a copy of my credit report and noticed accounts listed under kickoff lending, Chime Secured Credit Card, that do not belong to me. That account was opened and reported without my knowledge or authorization.

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 2025-06-16 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate and unauthorized information on my credit report. I recently received a copy of my credit report and noticed accounts listed under kickoff lending, Chime Secured Credit Card, that do not belong to me. That account was opened and reported without my knowledge or authorization.

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 2025-06-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: WA

Complaint narrative:
I went through a bankruptcy in XXXX. They had removed all of my student loans from my credit report and just recently put them back on. Doing this caused my credit to go down XXXX points and is putting me in a financial situation where Im not gon na be able to afford anything. I worked really hard to get my credit back up and this company, I just added them back after years of taking them off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: TX

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts :

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 2025-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
The my pay option took my hard earned money when it was transferred into my account without consent I told chime since they are saying I owe XXXX dollars I could pay that when I have extra money and I was not aware that pulling money off of my pay would come with a fee. Im thinking that Im just able to receive my check through direct deposit 2 days early without any problems in the long runafter all I worked to earn that money chime doesnt let people know that there will be a fee and when I contacted chime the agent told me I could get my money back in just a couple days and a week went past so I called again and now they are saying I cant get my money back so basically how I feel about chime is that they are very grimey and they love to scam people and they do not care about the people using chime I dont know how they think its not a problem to take someones money as soon as it transfers into their account just turn the my pay feature off until the person has money to pay that fee! We have bills to pay, kids to feed, money for laundry etc I really used to love chime I thought it was a good company but its not and everytime I pulled money out the my pay I still had to give them a few dollars each time just for the money to be added instantly SO WHY IS THERE A FEE IN THE LONG RUN! This is disappointing CHIME IS A SCAM

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: TX

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, Equifax, 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 XXXX XXXX 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/year>

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 2025-06-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Thaxton Investment Corporation
State: MS

Complaint narrative:
In XX/XX/year> I received a pre-screened, fully approved check in the mail from XXXX XXXX XXXX XXXX now Heights Finance Corporation ) in the amount of {$4000.00}. The repayment for the loan was stated to be the original $ XXXX 32.14 % APR. Which by my calculations should be {$4000.00} + 32.14 % = {$5200.00}. As of XXXX XXXX my on time/never late or delinquent payments on the account total {$2400.00}. Yet online the account has a balance due of {$7600.00}!! This has to be some type of ponzi scam. I have never in my life seen such a inflation on a loan that should be half way paid off. I have made payments larger the amount due plus a couple of double payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Barclays is continuing to report a fraudulent account on my credit report, despite my submission of a valid FTC identity theft report and dispute documents. They are refusing to expedite or block the account as required under the Fair Credit Reporting Act ( FCRA ), Section 605B. 

I am the victim of identity theft. A fraudulent credit card was obtained in my name on an unused account I had with Barclays Bank Delaware. I have submitted a full identity theft dispute packet to Barclays, including : My FTC Identity Theft Report ( Report # XXXX ) Proof of my identity A written explanation of the dispute Barclays is refusing to acknowledge the identity theft as distinct from a standard dispute, is insisting on mailed correspondence only, and has not blocked the inaccurate account reporting within the 4-day window required under FCRA Section 605B.

Instead, Barclays is claiming it may take 30 days to investigate. This is incorrect under the law when valid identity theft documentation has been provided. Barclays is also refusing to provide a fax number or secure electronic submission method to expedite the matter, further obstructing resolution.

This delay is continuing to damage my credit and violates FCRA requirements.

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 2025-06-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GFS II, LLC
State: MI

Complaint narrative:
A debt was placed on my credit report as a collection by this company that I am unaware of I have no knowledge of this company of this debt and I like this debt removed from my credit report immediately this is not my debt this company has no right to collect any debt from me please remove this from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I contacted Experian to notify them that were XXXX Fraudulent Inquiries from XX/XX/XXXX to XX/XX/XXXX that were not authorized all unauthorized did not apply for any from my credit inquires should be XXXX as I had not applied for anything credit in several years these are all fraud

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 2025-06-16 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: WA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report. I have identified several significant discrepancies that do not accurately reflect my actions or financial history. Specifically, these inaccuracies were made without my consent. I kindly request your investigation and removal of the following items : Inquiries : XXXX XX/XX/year> XXXX XX/XX/year> Accounts : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX : * * * - * * XXXX Re : Acc. # XXXX * * * * * * * * * * Amount : {$440.00} Subject : Formal Complaint XXXX XXXX XXXX XXXX for XXXX to Validate Debt To Whom It May Concern, I am filing this formal complaint against XXXX XXXX XXXX XXXX their failure to comply with my legal right to debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

XXXX XXXX XXXX is currently reporting XXXX or more collection accounts to the major credit reporting agencies under my name. However, they have failed to provide any documentation to verify that this alleged debt is valid or that I am legally responsible for it. 

Despite requesting validation, XXXX XXXX has not provided : A copy of any original contract or agreement bearing my signature. 

Statements or records showing I incurred the debt. 

Proof of legal assignment of the debt from the original creditor to XXXX XXXX XXXX. 

Any documentation confirming the amount of the debt and how it was calculated. 


Under 15 U.S.C. 1692g ( b ), a debt collector must cease collection activities until proper validation has been provided. XXXX XXXX has continued to report this debt to credit bureaus without fulfilling this obligation. This not only violates federal law, but also causes undue harm to my credit and personal well-being. 



I am requesting the following actions : 1. Immediate investigation into XXXX XXXX XXXX 's collection and reporting practices. 


2. Removal of the unverified account ( s ) from all credit bureaus as they are unsubstantiated and therefore inaccurately reported.

3. Enforcement of my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ), which prohibits the reporting of unverifiable or inaccurate information.

I am attaching a copy of my credit report showing the account ( s ) in question. Please consider this an official request for assistance in resolving this matter, as my rights as a consumer are being violated. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation