vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
I called Chex System to remove a Freeze I placed on my Chexsystems File. They tried to verify my address with their system by uploading my Driver 's license and a Video of me. The verification failed due to their system no you being able to verify my Cell phone number to send me an XXXX. They said my number which is with XXXX. XXXX in Arizona would not let them send an XXXX I tried a couple times and they are refusing to issue a new Pin and mail it to my home address which is my valid mailing address. They also refuse to remove the security Freeze I placed in 2022 because my password no longer works on their system because I changed email address and telephone number so I can not access the Freeze to remove it myself. I got turned down for two checking accounts because they will not remove the Freeze from my credit report.

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 2025-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount GR Holdings, LLC
State: VA

Complaint narrative:
In 2021, I had solar panels installed on my home, financed through GoodLeap. 
After installation, the panels were incorrectly programmed to another address, causing them not to work at my home. 
XXXX XXXX ( the installer ) issued me checks to cover monthly payments owed to GoodLeap, but the panels never operated at full capacity. 
XXXX XXXX later closed its doors and filed bankruptcy. The Virginia Attorney General and other state AGs requested lenders like GoodLeap provide relief since they could recover funds through the bankruptcy process.

Instead of providing relief, GoodLeap : Continued demanding payment for nonfunctioning panels.

Placed a padlock on the panel controls, making them completely inoperable.

Filed duplicate UCC-1 liens, attempting to maintain the later filing. 
Sent me harassing messages demanding payment : {$380.00} last week to bring the account current, and {$1500.00} today to avoid legal action.

Why I am disputing : The system has never worked as promised and is now inoperable due to GoodLeaps own padlock.

I am being asked to pay for a repossessed/nonfunctional product.

These actions appear to be unfair, deceptive, and abusive under federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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 XXXX 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 : 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 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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as Public Record - Federal - XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX Bankruptcy XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-09-08 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: NJ

Complaint narrative:
This letter serves as a formal dispute regarding accounts on my credit report that are fraudulent. I did not authorize, create, or maintain these accounts. Their continued reporting is false, misleading, and damaging to my financial reputation.

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 2025-09-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am formally disputing multiple fraudulent accounts listed on my credit report. I have never opened, authorized, or been responsible for these accounts, and their reporting is a clear misrepresentation of my financial history.

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 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XX/XX/25 Dear XXXX  / XXXX  / XXXX, I am writing to formally dispute the accuracy and verifiability of certain information contained in my credit file with your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting a reinvestigation of all items on my credit report that are inaccurate, incomplete, or can not be verified. 

Please be advised of the following legal obligations under the FCRA : You are required to conduct a reasonable reinvestigation of any disputed information within 30 days of receiving this notice ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ).

You must notify the data furnishers of the disputed information within 5 business days ( 15 U.S.C. 1681i ( a ) ( 2 ) ).

If any information can not be verified, it must be promptly deleted from my credit file ( 15 U.S.C. 1681i ( a ) ( 5 ) ).

You must provide me with written results of the reinvestigation and a free copy of my credit report showing the outcome of your review. 

This is a general dispute and you are expected to verify all items appearing on my credit report. I am under no obligation to identify individual accounts for you to fulfill your legal duty to ensure the accuracy and integrity of the data you report. 

Please find enclosed the following identification documents for verification purposes : A clear copy of my government-issued photo ID A copy of my Social Security card A recent utility bill or bank statement as proof of current address I request that your reinvestigation be completed within the timeframe allowed by law. Upon completion, please send me written confirmation of your findings along with an updated copy of my credit report.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: United PanAm Financial Corp.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, FL XXXX Date : [ Insert Date ] To : United Auto Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Demand for Verification and Permanent Deletion of Inaccurate/Unverifiable Credit Reporting Account : XXXX Type : Auto Loan To Whom It May Concern : I am writing regarding the above-referenced account, which you report to the credit bureaus. Under the Fair Credit Reporting Act ( 15 U.S.C. 16811681x ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable.

Upon review of my credit report, I have identified multiple discrepancies regarding this account, including : Charge-off and balance inconsistencies Your records indicate a charge-off amount of {$11000.00} with a past due balance of {$15000.00} as of XX/XX/XXXX, yet payment history and documentation do not support these figures. 

Incomplete payment records Your account history shows No Data for multiple months, raising questions about accuracy and completeness of your reporting. 

Outdated information The account is scheduled to remain on my credit report until XX/XX/XXXX. Given the inconsistencies and unverifiable nature of your records, continued reporting of this account may violate FCRA 1681e ( b ) requiring accurate reporting.

Action Required : Provide complete and verifiable documentation that substantiates the alleged debt, including the original contract, payment history, and any account adjustments.

If you can not provide verifiable proof within 30 days of receipt of this letter, you are legally required under FCRA 1681i ( a ) ( 1 ) ( A ) to permanently delete this account from all credit reporting agencies.

Cease any reporting of inaccurate, incomplete, or unverifiable information to all credit bureaus.

Failure to comply with the FCRA can result in legal action, including reporting violations to the Consumer Financial Protection Bureau ( CFPB ) and pursuing damages as permitted under 15 U.S.C. 1681n and 1681o.

I demand written confirmation that the account has been verified or permanently deleted. I also request that all credit bureaus to which you report this information are notified of any corrections or deletions. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: GA

Complaint narrative:
They are trying to collect a debt thats not mine. I addressed the repairs and it needed to be handled. My health and safety was in danger due to the apartment complex. They had extra roommates staying there. We were robbed by a prior roommate after she was evicted. Damages and overages that arent mine were applied to my account after I addressed the situation with the trash, roomates, and robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: AMERICAN BANCSHARES MORTGAGE, LLC
State: FL

Complaint narrative:
Requested recast XX/XX/XXXX. They never acknowledged receipt or contacted us in any form. We called on XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX. They said it was received but its pending. We never got anything at all no communication no terms nothing. Still on XX/XX/XXXX spoke to XXXX who will escalate and send us a letter of acknowledgment. They must have to comply with a federal law that gives the consumer information about a recast or something other than when we call tell us its pending. Please help. There should be a time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: OH

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
Debt Collector Complaint Template ( CFPB & XXXX ) Subject Line : Debt Collector Unable to Prove Ownership - Illegal Collection & Credit Reporting I am submitting this complaint regarding HELVEY & ASSOCIATES IN in connection with their attempts to collect on an alleged account that they have failed to validate under federal and state law. The company is furnishing negative information to the credit bureaus and contacting me about a debt they can not legally prove they own or are authorized to collect. 

Specifically, I submitted a timely request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In response, the collector failed to provide any of the following critical documents : Proof of ownership of the alleged debt A valid purchase agreement for the HELVEY & ASSOCIATES IN containing my account A complete and unbroken chain of title from the original creditor to themselves A copy of their state bond or license required to collect in North Carolina. 

Without proof of ownership or a chain of title, HELVEY & ASSOCIATES IN has no legal standing to pursue collection, report to credit bureaus, or claim any right to payment. Furthermore, furnishing derogatory credit information under such circumstances constitutes false and misleading representation under 15 U.S.C. 1692e and may also violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

I am requesting the following : 1. Immediate deletion of any credit reporting related to this account.

2. Cessation of all collection activity unless and until full validation and legal standing are established.

3. A complete investigation by your agency into HELVEY & ASSOCIATES IN 's practices of reporting and collecting on debts without proper documentation. This complaint is being submitted in good faith to protect my consumer rights. The failure to provide ownership documentation while attempting to collect or damage my credit is not only unethical-it 's unlawful. 

Account Details ( if required by platform ) Collector : HELVEY & ASSOCIATES IN Original Creditor : [ Original Creditor Name ] Alleged Account Number : # XXXX * * Date of alleged charge-off or transfer : [ XXXX ] Date of collector 's first contact : [ Month/Year

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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:
These accounts were fraudulently added to my record. I request immediate removal and a thorough inquiry. Supporting evidence is provided.

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 2025-09-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing fraudulent accounts that have been inaccurately reported under my credit profile. These accounts were never authorized or opened by me, and their presence constitutes a serious error that harms the accuracy and completeness of my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Because XXXX XXXX XXXX  has reported this account as a profit and loss write-off without providing a 1099-C or proper verification documents, and because the credit bureaus continue to report contradictory information ( charge-off/write-off status while showing an active balance and missing payment status ), this tradeline is inaccurate and unverifiable under FCRA 607 ( b ) and 611. 

I request that this account be permanently deleted from all credit bureau reports. If not, I am requesting copies of the 1099-C and full verification documents showing how this account was lawfully verified.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Because XXXX XXXX XXXX  has reported this account as a profit and loss write-off without providing a 1099-C or proper verification documents, and because the credit bureaus continue to report contradictory information ( charge-off/write-off status while showing an active balance and missing payment status ), this tradeline is inaccurate and unverifiable under FCRA 607 ( b ) and 611. 

I request that this account be permanently deleted from all credit bureau reports. If not, I am requesting copies of the 1099-C and full verification documents showing how this account was lawfully verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The personal information on my credit report were outdated.

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