vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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, Date Opened : XX/XX/XXXX, Balance : {$5600.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and 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 2025-09-02 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: MD

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NY

Complaint narrative:
This company is falsely advertising bonuses for direct deposit and the promotion is over they are saying you werent eligible and wont realize the money when they clearly gave you the promotion

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Credit Control
State: CA

Complaint narrative:
I received a CT scan on XX/XX/year> from XXXX XXXX in XXXX XXXX. Parent company is XXXX XXXX. I received an explanation of benefits from my insurance letting me know I did not owe any amount for the procedure, I had already put down a deposit of {$140.00} at the time of the procedure. I then began receiving bills from XXXX XXXX for the amount of {$870.00} which I reported to my insurance. My insurance has communicated with them but they insist that I owe that amount. I just received a notice today that it has been sent to collections. I called my insurance again to ask for their support. They said they would be contacting them today and would get back to me. I also submitted my Explanation of benefits to XXXX XXXX and sent an email to the collections agency disputing this cost. This has been going on for several months now and it has cost me a lot of stress especially seeing that this has escalated to collections. Since I am not getting much assistance from my insurance or XXXX XXXX I am asking for assistance from you to help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Solar Mosaic LLC
State: GA

Complaint narrative:
I am disputing my loan with Mosaic for a solar panel system installed by XXXX XXXX ( formerly XXXX ). The panels have not worked correctly since installation. They were supposed to reduce electricity bills, which have stayed the same or increased for XXXX years. The system was advertised to provide backup power to major appliances during outages, which it failed to do. I have repeatedly contacted XXXX XXXX for warranty assistance and received inadequate support, with no resolution. I request that my loan with Mosaic be canceled under the FTC Holder Rule, as XXXX XXXX failed to deliver on their contractual promises. I also request that no further collection activity or negative credit reporting occur while this dispute is being resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( XXXX ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account not mine XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account not mine

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 2025-09-02 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: NE

Complaint narrative:
i was impacted by the equifax data breach and my personal information was exposed illegally. There are accounts appearing in my name that are not mine. For that reason I am demanding all inaccuracies to be blocked from my profile. The follow accounts are XXXX {$620.00} this is fraud inaccurate due to it only reporting to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-02 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:
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
Consumer complaint received 2025-09-02 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:
I have been the victim of a serious case of identity theft that has greatly affected my peace of mind and stability. Unknown individuals opened accounts in my name without my consent, causing significant damage to my credit history and putting both my financial and personal situation at risk. This circumstance has left me feeling extremely vulnerable and concerned. 

Therefore, I urgently request that all fraudulent accounts be blocked and permanently removed from my credit report in order to prevent even more serious consequences. 

Fraudulent 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: AL

Complaint narrative:
Filed a dispute regarding an account XXXX XXXX that reported on my cbr the account is not a valid account, have never had an account or contract with said company. A validation of debt has already been sent to the company and they have not provided one to me. The Credit bureau has a legal right to report factual information and without a validation of debt from the above company this account should not be reporting as a factual account. A request for the investigation documents used by Experian to update the submitted dispute where the account remains. 
XXXX of Experian Disputes advised that they did not have anything to send me that supports the investigation. I advised Experian that the account had been disputed with the 2 other bureaus and they were not able to verify or update and that They removed the account from my credit profile. 
Both 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 2025-09-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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  Balance : {$5600.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 
1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and 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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute letter to Experian, requesting an investigation into inaccurate items on my credit report. In compliance with identity verification requirements, I included all necessary documents : a copy of my photo ID, social security card, and a recent bill displaying my current address. 
In my dispute, I clearly requested detailed information about Experians verification process, including : - The method used to verify the disputed item - The date Experian contacted the creditor and furnisher - Contact information for both the creditor and the furnisher - The name of the individual who verified the item - The communication method used ( e.g., phone, email, mail ) - Confirmation of whether any sensitive personal datasuch as my Social Security Number, address, and date of birthwas shared during the verification process. 
More than 30 days have passed yet Experian has failed to provide any response or investigation results. I have not received any form of communication acknowledging the dispute, let alone fulfilling their obligations under the law. 
According to the Fair Credit Reporting Act, credit bureaus are required to conduct a reasonable reinvestigation within 30 days when a consumer disputes the accuracy or completeness of any information in their file. Experians complete lack of response is a direct violation of this federal requirement. 
This failure to act has had a detrimental impact on my ability to move forward with financial decisions dependent on the accuracy of my credit report. 
I am attaching copies of my original letter sent to Experian as evidence to support this 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 2025-09-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I had a lapse of insurance from XX/XX/XXXX to XX/XX/XXXX. The lapse of insurance was due to when switching from peoples choice to citizens due to the cost. 30 days after the switch I was told that I need to repair my roof that had 10 years remining. This cost me XXXX that I didn't have at the time to replace my roof. Rushmore Servicing never sent me a 30 day notice telling me that I have 45 days to get insurance or provide proof. After I got my roof fixed. I got a new citizens insurance in XX/XX/XXXX. Almost a year later in XX/XX/XXXX. I get a letter saying they are charging me for XXXX insurance from the past. 

They also sent me a cancellation letter from XXXX XXXX XXXX XXXX. How exactly did you cancel insurance that I never had. I know for a fact insurance can not be back dated. How exactly does XXXX XXXX XXXX charge my escrow for a policy that was never obtained in the past? Send me an insurance policy that cost XXXX, that was obtained XX/XX/XXXX. Show me a insurance document that they obtained an insurance policy from a third party on my behalf. They didn't even send me a warning that they would get this insurance if I didn't get insurance my home. Remove XXXX from my escrow account. This company is a fraud. How do you buy back dated insurance on a property? This is what is says in the letter. Why would I need to reimburse them for insurance they bought in XXXX of XXXX from insurance I didn't have XXXX. I would like to see proof of a back dated policy, and I need a copy of a letter they sent me back in XXXX of XXXX stating I need to have coverage and they would charge me if I didn't obtain it. If this can not be provided. Remove the escrow charge. This cant be legal to back date insurance and ask for payment. Especially, without a binding insurance policy and payment request from the other insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am disputing the presence of fraudulent accounts on my credit report which were never authorized or opened by me. These accounts represent inaccurate information and are causing serious damage to my credit profile and personal well-being.

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 2025-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
Request for Full Responsibility of Auto Loan Account To Whom It May Concern, My name is XXXX XXXX, and I am writing to formally request that full responsibility for my auto loan account be placed under my name alone, and no longer reported under my mothers credit. 


The account details are : Creditor : [ GM Financial ] Account Number : [ # XXXX ] When this loan was originally opened, my mother agreed to co-sign for me. She did this out of love and faith in me, trusting that I would be able to handle the responsibility. Unfortunately, shortly after, I lost my job. During that difficult period, I had to make the painful choice of prioritizing my rent payments to protect my home, which left me unable to keep up with the auto loan. As a result, my mothers credit was harmed through no fault of her own. 


I want to be very clear : I take full accountability for the situation. The damage to her credit is something that has weighed heavily on me. She showed me generosity and faith, and I never intended to put her in this position. Today, I am working hard to rebuild, and I am committed to honoring her sacrifice by taking this debt fully upon myself. 


Here is who I am becoming today : I am actively working with a XXXX XXXX through XXXX XXXX to strengthen my financial literacy, develop new habits, and prepare for my future goals. 


I am learning how to budget, save, and use credit wisely so that I can grow into a financially independent and responsible man. 


I am committed to taking ownership of my past mistakes and turning them into lessons that will guide my future. 



In good faith, I am asking for your help in this matter. Please update your records so that this loan is reported as my sole responsibility. I want my mothers credit protected from the hardship that was caused by my job loss. She did what any loving parent would doshe believed in meand I want to show her, and myself, that I am capable of taking full responsibility now. 


This is not just about fixing a credit report. This is about me stepping fully into accountability and proving that I am serious about building my financial future the right way. I know paying this debt off will take time, but I am prepared and willing to do whatever it takes. 


Thank you for considering my request. I appreciate your understanding and the opportunity to make things right. 


Sincerely, XXXX XXXX [ XXXX XXXX XXXX, XXXX XXXX NJ XXXX ] [ XXXX ] [ XXXX ]

Company response to consumer: Closed with non-monetary relief