vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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: VA

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 2025-04-11 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 a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the XXXX and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance. 
XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}XXXX XXXX XXXX XXXX  XX/XX/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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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 a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the XXXX and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance. 
XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}XXXX XXXX XXXX XXXX  XX/XX/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

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 2025-04-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: TekCollect Inc.
State: IN

Complaint narrative:
On XX/XX/XXXX of XXXX I signed a contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) to " pay for services provided by XXXX '' XXXX " smile journey '' journey was originally for XXXX months. Around the time of my last handful of " trays '', which was around late XXXX, they were not fitting properly and I went and got a re-scan of my teeth at the closest office to me which was XXXX hours away. When they came they were still not fitting which was around the time they were declaring bankruptcy. I was not able to get a hold of SDC nor the dentist they had assigned to my " smile journey '' The service I was paying for had stopped so I reported the info to my bank ( Chase ) and they proceeded to block any payments to XXXX XXXX XXXX. I never tried to get a full refund on what I had already paid. I had yet to hear anything from XXXX until a few years later when Tek Collect sent me to collections over this debt on a service I did not receive. My teeth and my overall bite, which are still not fixed, are in a worse position since starting that journey with SDC. Tek Collect should not be trying to collect money on a contract that was not fulfilled/seen through on the provider 's end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: IL

Complaint narrative:
Hello, I am requesting an investigation into these accounts due to a potential misunderstanding regarding their accuracy on my credit report. These accounts were removed previously but have been re-added without my awareness. I did not receive any notification of their reinstatement, nor have I received any related correspondence by mail.

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 2025-04-11 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: IL

Complaint narrative:
Hello, I am requesting an investigation into these accounts due to a potential misunderstanding regarding their accuracy on my credit report. These accounts were removed previously but have been re-added without my awareness. I did not receive any notification of their reinstatement, nor have I received any related correspondence by mail.

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 2025-04-11 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: NE

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: RI

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments.

Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : [ XXXX XXXX XXXXXXXX. 1 request a thorough into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without Delay.

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 2025-04-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
I am filing a formal complaint against GoodLeap LLC ( NMLS # XXXX ) for unfair and deceptive practices related to solar panel financing and warranty responsibilities. Despite presenting itself as a solar financing company, GoodLeap has refused to assist with warranty or servicing issues, claiming it is " solely the finance company '' even though its marketing and business model heavily promote solar energy solutions. 
Key Issues : Enormous loan in the amount of {$72000.00} which was suppose to be for equivalent worth equipment which after the loan was discovered worth only {$5000.00}. 
Misrepresentation of Services GoodLeaps website and branding heavily emphasize solar energy solutions, creating the impression that they are involved in the solar installation process. However, when warranty or servicing issues arise, they disclaim all responsibility, leaving consumers without support. 
This appears to be a deceptive trade practice under Floridas Deceptive and Unfair Trade Practices Act ( FDUTPA ) and potentially violates federal consumer protection laws. 
Failure to Disclose Warranty Responsibilities ; At no point during the financing process was it made clear that the lender ( GoodLeap ) would have XXXX involvement in warranty claims, despite being the primary point of contact for the solar transaction. 

The installer ( who may no longer be in business or responsive ) was supposedly responsible, but GoodLeap did not ensure a clear warranty transfer process for new homeowners.

Requested Resolution : An investigation into GoodLeaps business practices to determine whether they are misleading consumers about their role in solar transactions. 

Enforcement of proper warranty disclosures in financing agreements. 

Assistance in holding GoodLeap accountable for ensuring warranty transfers are handled fairly for homeowners.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-11 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: MN

Complaint narrative:
I received a email on XXXX XXXXwelcoming me to Milestone Mastercard XXXX I haven't applied for it. Yesterday XX/XX/XXXX I received a letter from Concorna Credit that states that the Card has a Current balance of XXXX and has a temporary block on the account until I verify my identity with a drivers license, passport, military ID, resident Card. I don't want to give any information or call the Concorna credit company in fear that this is a scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: TX

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really concerned about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I've worked hard to build my credit, and it is disheartening to know that my rights as a consumer is being violated. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed and deleted all of the above that are not reported with maximum accuracy by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: TX

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 2025-04-11 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: TN

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/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 2025-04-11 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: TX

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 2025-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
CONSUMER ADJUSTMENT CO. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX The company submitted a collection account to my credit report before I was notified. I did not receive any communication, mail, phone or method.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: CA

Complaint narrative:
I require that this account be deleted and BLOCKED from my consumer file immediately PER USC 1681C-2. Failure to comply will result in legal action to protect my rights. These violations constitute Aggravated Identity Theft under 18 USC 1028 A ( a ) ( i ) a felony offense. I am seeking the following compensations : 1. Permissible purpose- {$1000.00} 2. Defamation of character - {$1000.00} 3. Damaged reputation - {$1000.00} 4. Damaged credit worthiness - {$1000.00} 5. Damaged made of living - {$1000.00} 6. Infringed rights to privacy - {$1000.00} Cease the reporting of this incorrect information immediately.

Also EQUIFAX is in violation of my rights for reinserting a previously deleted account back on my credit profile without notifying me within 5 business days which is required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: IL

Complaint narrative:
After filing two prior CFPB complaints in XX/XX/year> regarding unlawful billing practices, Discover is now engaging in clear retaliation by : 1. Fraudulently re-adding a {$400.00} balance despite : - My XX/XX/XXXX payment ( # XXXX ) clearing - XX/XX/XXXX statement showing {$0.00} balance - XXXX XXXX  XXXX XXXX active stop payment - Account unlinking 2. Creating false credit reporting : - Illegally reducing available credit - Threatening my credit age ( account opened [ MM/YYYY ] ) 3. Causing severe distress : - 40+ hours wasted reversing their sabotage - Documented consideration of hospitalization - Clear pattern of retaliation for prior CFPB actions This constitutes willful violation of : - Regulation E ( payment reversal ) - FDCPA ( retaliatory collections ) - CFPA ( anti-retaliation provisions )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: NJ

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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