vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-25 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: MI

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 2025-09-25 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: MI

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 2025-09-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dividend Solar Finance, LLC Division of Fifth Third Bank Re : Loan Account XXXXXXXX XXXX XXXX Misrepresentation of Federal Solar Incentive and Demand for Loan Cancellation To Whom It May Concern, I am writing to formally dispute your demand for repayment of {$8000.00} related to the federal solar tax incentive, in addition to the outstanding loan balance. 

When we purchased the solar system in XX/XX/XXXX, your sales representative assured us that we would receive a federal solar incentive check that could be applied directly to the cost of the system. This representation was a decisive factor in our decision to proceed. As senior citizens living on a low fixed income, we rely primarily on modest tax refunds from IRA withdrawals. 

We did receive a solar tax credit in XXXX for the XXXX tax year. However, we did not receive any further credits in subsequent years, nor were we eligible to benefit from the full incentive as described. Your representative failed to disclose that the federal solar incentive is a nonrefundable tax creditnot a guaranteed rebate or cash payment. The promise of such a benefit was misleading and constitutes a material misrepresentation and a deceptive trade practice. 

We were misled and taken advantage of by the solar company, which has since declared bankruptcy. As vulnerable senior citizens, we were targeted with false promises and pressured into a financial agreement that was not in our best interest. We have previously been represented by legal counsel, who formally demanded cancellation of this loan on the grounds of elder exploitation and deceptive business practices. 

We have filed formal complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the Florida Attorney Generals office. Additionally, the solar system has not performed at the efficiency levels promised during the sales process. 

Given these facts : We dispute your claim that we owe {$8000.00} for an incentive we did not fully receive. 

We are still seeking full cancellation of this loan due to misrepresentation and elder abuse. 

We request a full review of our account and removal of any charges related to the federal solar incentive. 

We request written confirmation that our loan balance has been adjusted accordingly, so we may proceed with the sale of our home without unlawful demands. 

Please treat this letter as a formal dispute under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act. Any attempt to collect funds we do not owe may be considered an unfair, deceptive, or abusive act or practice ( UDAAP ).

If this matter is not resolved promptly, we are prepared to pursue all available remedies, including assistance from legal aid and elder law services, and further escalation to state and federal regulators.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-09-25 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: TN

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : DISCOVERCARD - XXXXXXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX 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 2025-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
While in the process of purchasing my home the mortgage company pulled my credit and alerted me the LVNV FUNDING LLC was being reported as collection on my report. I remember contacting the credit bureaus and this particular company advising that I had never authorized an account to be open with XXXX XXXX XXXX  and that this was identity theft. XXXX  continues to state that they have verified the account without proper investigation or providing any evidence that was use to verify this account. XXXX  has verified the account in less than a few days at times. I continue to state to both the collection agency and the bureau that I am not the owner of this account. They both continue to report the account. My last attempt to dispute was on XX/XX/year> by XX/XX/year> XXXX  had stated they verified the account belonged to me and that I authorized the opening with no type of documentation provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pressler & Pressler, LLP
State: NY

Complaint narrative:
I have a debt in collections at XXXX pressler & felt. They sent a strange man to my house. My neighbor thought he was a creep. I spoke to a rep and he said that I can start a payment plan online. I have never been able gain online access. I was told I can pay over the phone. The rep didnt tell me I needed the file number. When i started making payments and they never updated with the credit bureau. They kept reporting none payment. I contacted the XXXX and they said I defaulted. I wasnt able to pay online and I had no file number. I was on hold for more than an hr I have a job. They updated the my balance after the XXXX contacted them and refuse to let me pay partial payments. Every time Im on hold for an hr. I cant get through a person and this could have been paid off. I dont know what else to do. I advised I that I would be making {$20.00} but I was making {$50.00} to {$100.00} payments til the dispute. I tried to go online today and still unable to gain access. I dont understand why they need to talk to me when all I want to do is pay and for them to update my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: GA

Complaint narrative:
I have never got a charge for sales of substance manufacturing this is incorrect. My background report says I caught the charge in XXXX of XXXX  when I wouldnt have even been XXXX years old yet. I need this taken off my background check immediately! This could cause me to not get employed and I have never seen this on my background check before until now and I have had several done for jobs!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: MD

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
I am filing this complaint because Credence Resource Management is reporting and attempting to collect a debt that does not belong to me. I have no contractual agreement with Credence Resource Management or the original creditor they claim to represent. 

This alleged debt is inaccurate and does not belong to me. Credence has reported it to consumer reporting agencies, damaging my credit. 

I request that Credence immediately cease and desist all collection activity and remove this account from all consumer reporting agencies. 

Violations of Law : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. Prohibits false representation of debts and requires debt collectors to provide proper validation upon request. Credence has not provided any contractual evidence that I owe this debt. 
Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Requires furnishers to provide accurate information and to investigate disputed debts. Reporting a debt without proof violates my rights under this federal law. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531. Prohibits unfair, deceptive, or abusive acts or practices in connection with consumer financial products or services. Reporting a debt I do not owe is unfair and deceptive. 
FTC Act, 15 U.S.C. 45. Prohibits unfair or deceptive practices in commerce. Credences collection and reporting of a debt not owed falls within this prohibition. 
South Carolina Consumer Protection Code, S.C. Code Ann. 37-5-108. Prohibits unfair or unconscionable debt collection practices in the state of South Carolina. Reporting a debt that does not belong to me violates state law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Account was closed but its still reporting as open

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 2025-09-25 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:
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 XXXX 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 - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX 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 2025-09-25 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: Law Offices of Hayt, Hayt & Landau, LLC
State: NY

Complaint narrative:
Card is a business credit card and it was opened Fraudulently. XXXX XXXX said they have a copy of the Original application but has not sent it over to me. They are holding {$14000.00} from a judgement issued and the attorney does not answer my calls either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/year>, a client of mine tried to XXXX me his {$100.00} deposit to my Navy Federal Account. It didnt go through. He tried XXXX other times. And they were also cancelled. He then used XXXX to send his deposit. And I have screen shots of everything. 
On XX/XX/year> I wake up to an email from Navy Federal telling me that my account is being closed for suspicious activity. I was baffled so I called them to find out what the suspicious activity was. I was then informed that it was because of the XXXX failed XXXX attempts. I explained to them what happened and they vehemently refused to lift the restrictions off my account. What I didnt understand is why am I being penalized for someone elses failed XXXX attempts to me? I didnt do anything wrong. 
I went by the branch and no one could definitively say why my account was closed. 
I filed XXXX appeals which were both denied. The appeals process, I was told could take anywhere from XXXX hours. Both of my appeals were denied within an hour of submitting them. Strange. 
I just need some explanation because I was looking forward to doing business with them. I had even opened a {$7500.00} credit line with them which was also closed. I feel like I was targeted for whatever reason and I just need answers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

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