vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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: MA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: SC

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: Solar Mosaic LLC
State: FL

Complaint narrative:
In XX/XX/year>, I began the cancellation process for a solar panel installation with XXXX XXXX. The installation was never startedno work was ever performed, and no equipment was delivered. I provided proper notice to cancel the project. I was told by both XXXX XXXX and Mosaic ( the third-party loan servicer ) that the loan would be canceled once the installer confirmed the cancellation. 

Despite repeated follow-ups, Mosaic has still not canceled the loan. They continue to report a large loan balance on my credit report for a project that was never started, which is harming my credit score and affecting my financial opportunities. Mosaics excuse is that they are waiting for confirmation from the installer, even though I have completed all required cancellation steps since XXXX. 

I have requested cancellation of the loan, removal of the tradeline from my credit reports, and reimbursement of any payments made. This appears to be a violation of the Fair Credit Reporting Act ( FCRA ) and may also constitute unfair or deceptive business practices. I am asking the CFPB to assist in getting this loan immediately canceled, removed from my credit, and any payments refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I opened a BMO Account on XXXX, deposited XXXX usd on XXXX XXXX also they was a direct deposite of XXXX usd from my employer on XX/XX/year>. On XX/XX/XXXX i tried to withdraw my money they I couldnt so teached out to the bank on XX/XX/XXXX multiple times they told me theg are closing my account because of some name mismatch on account and my employer has to recall the money. When i called them second time they were saying some big fraud happened with their bank accounts in large number so thay are closing mine as well and they want me to recall money direct deposite from my employer side before bmo closing my account, my employer did recall but again bmo is holding money not releasing back for recall. Then again i contacted XXXX on XX/XX/XXXX to ask why they ate not releasing back money for recall this time they are saying they will close account in XXXX to XXXX weeks until that time they dont release funds even for the recall. Last time they said i have to recall dirwct deposite from employer before closing their account but now they are saying wont release money until closing that accout. No one is giving the proper answers.

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 monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Inside the attachment included an explanation of what happened with myself and the credit card company. This company and I got into a brief dispute because they used my Social Media Instagram follower rights and my travel settlement that reflect inside go my credit card. Its is my believe that they are using my Three Payee rights and collection my credit card travel settlement but it is not being apply to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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 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 2025-06-10 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: WI

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: OK

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
When I called to speak to the company about my account, I was transferred because I reached the wrong department. After being transferred and inquiring about my account again, asking for specific information, I kept being told that I needed to contacXXXX XXXX  I explain that Transworld System Inc was the company reporting, not XXXX and that they should have all information since the alleged account was sold to them. The female representative hung up on me. I called back and spoke to another female representative who was able to tell me the alleged date the account was open. I also explained that I have no knowledge of or have received any notification of this account. I only had the first XXXX digits of the account number shown on the credit report : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: CA

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. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX bank And according to the fair credit reporting act 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 according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( XXXX ) 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hanwha QCells USA Corp
State: LA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding a solar panel loan through Enfin for a system that remains incomplete and non-operational, due to the failure of XXXX companies, XXXX XXXX and XXXX XXXX, both of which have disconnected all contact numbers previously supplied. 

In XXXX, XXXX XXXX approached me at my home in XXXX XXXX, Louisiana, offering a solar panel solution to offset my monthly energy costs. They stated installation by XXXX XXXX would be completed before billing began. Materials were delivered in XXXX XXXX, and panels were installed in XXXX however, the battery system was left in my driveway, uninstalled, and critical steps like utility notification, inspection, and final connection were never completed. The system is not operational. 

Despite this, XXXX began billing me in XX/XX/XXXX, even though my contract stated that loan payments would begin only after the system was activated. I had no knowledge of the billing and missed the first payment. As a result, my loan was reported to credit bureaus as delinquent, and my XXXX XXXX was negatively impacted, even though I had not received a functional system. 

I have contacted XXXX multiple times each month since XX/XX/XXXX, and have been transferred between departments with no resolution. XXXX deferments were granted through XXXX, but I have now been denied further relief. In XX/XX/XXXX, XXXX sent a new solar rep from XXXX XXXX, who confirmed the system is nonfunctional and incomplete. Yet, I am still being denied deferments. 

Additionally, the equipment abandoned by XXXX XXXX in my driveway has physically blocked access to my gated parking area for over XXXX months, forcing me to park both of my vehicles outside of my secure driveway.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: PA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Late Payment Reporting Under the Fair Credit Reporting Act To Whom It May Concern, I am writing to formally dispute several inaccurate late payment entries appearing on my credit report. This letter serves as a request for reinvestigation under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 15 U.S.C. 1681s-2.

The following accounts contain late payment records that are either inaccurate or can not be verified : 1. Creditor Name : XXXX XXXX XXXX Account Number : XXXX Late Payment Date ( s ) : XXXX and XX/XX/XXXX 2. Creditor Name : XXXX XXXX XXXX Account Number : XXXX Late Payment Date ( s ) : XXXX and XX/XX/XXXX 3. Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Late Payment Date ( s ) : XX/XX/XXXX 4. Creditor Name : XXXX  XXXX XXXX Account Number : XXXX Late Payment Date ( s ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX These negative entries are damaging to my credit standing. I request that you open an investigation into these accounts. If the furnishers of this information are unable to provide evidence verifying the accuracy of these late payments, I ask that the entries be removed or corrected as required by law.

As stated in the FCRA : - 15 U.S.C. 1681i ( a ) obligates credit bureaus to investigate disputes within 30 days and delete any unverifiable information.

- 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits the reporting of information known to be inaccurate.

- 15 U.S.C. 1681s-2 ( b ) requires that furnishers investigate disputed information and make corrections if necessary.

Attached are the necessary documents to verify my identity and support my claim. Please respond with the results of your reinvestigation in writing. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Late Payment Reporting Under the Fair Credit Reporting Act To Whom It May Concern, I am writing to formally dispute several inaccurate late payment entries appearing on my credit report. This letter serves as a request for reinvestigation under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 15 U.S.C. 1681s-2.

The following accounts contain late payment records that are either inaccurate or can not be verified : 1. Creditor Name : XXXX XXXX XXXX Account Number : XXXX Late Payment Date ( s ) : XXXX and XX/XX/XXXX 2. Creditor Name : XXXX XXXX XXXX Account Number : XXXX Late Payment Date ( s ) : XXXX and XX/XX/XXXX 3. Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Late Payment Date ( s ) : XX/XX/XXXX 4. Creditor Name : XXXX  XXXX XXXX Account Number : XXXX Late Payment Date ( s ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX These negative entries are damaging to my credit standing. I request that you open an investigation into these accounts. If the furnishers of this information are unable to provide evidence verifying the accuracy of these late payments, I ask that the entries be removed or corrected as required by law.

As stated in the FCRA : - 15 U.S.C. 1681i ( a ) obligates credit bureaus to investigate disputes within 30 days and delete any unverifiable information.

- 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits the reporting of information known to be inaccurate.

- 15 U.S.C. 1681s-2 ( b ) requires that furnishers investigate disputed information and make corrections if necessary.

Attached are the necessary documents to verify my identity and support my claim. Please respond with the results of your reinvestigation in writing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: GA

Complaint narrative:
Under 15 U.S.C.1681 of the fair credit act i formally submitting this dispute regarding inaccurate information on my credit report. Iam invoking my federally protection rights and expect immediate compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: NY

Complaint narrative:
I am disputing a negative item on my credit report related to a XXXX XXXX  credit card that I never received or used. The card was stolen from my mailbox before I ever had access to it, and I discovered unauthorized charges only after receiving a billing statement about a month later. 

I immediately contacted XXXX XXXX  to report the theft and fraudulent activity. I spoke with their representatives on XXXX separate occasions, and each time I was assured the matter was resolved and the charges would be removed. Despite these assurances, the balance remains on my account, and XXXX is still reporting it as unpaid. 

Now, four months later, this unresolved fraudulent charge has negatively impacted my credit score. This came to light when a potential employer conducted a background check and flagged the issue. I am seeking the immediate removal of this incorrect and damaging item from my credit report.

Company response to consumer: Closed with non-monetary relief