vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: FL

Complaint narrative:
I am writing to formally dispute fraudulent information listed on my credit report, pursuant to my rights under 15 U.S.C. 1681c-2, and to request the immediate block and removal of this information. For evidence, I have attached a copy of my FTC Identity Theft Report ( FTC Report Number : XXXX ). 
As stipulated by 15 U.S.C. 1681c-2, upon the filing of an identity theft report, consumer reporting agencies are required to block any information identified by the consumer as stemming from the theft within four ( 4 ) business days. 
The following items on my report are a direct result of identity theft and must be blocked :XX/XX/XXXXIn compliance with 15 U.S.C. 1681c-2, I respectfully request that these accounts be immediately frozen on my credit report. This block must remain in effect for a period of no less than one year, subject to extension, and during this time, no information related to these fraudulent accounts may be reported. 
I have previously contacted the bureau on multiple occasions regarding these accounts, yet the matter remains unresolved. The continued presence of these inaccurate items is causing significant personal and financial hardship by obstructing my ability to secure financing for a home and other essential financial tools. Furthermore, these specific accounts have already been removed by other major credit bureaus after failing verification, which underscores the inaccuracy of their reporting. 
In accordance with my rights, I also requested verification documents and contract copies from the furnishing companies for these accounts. After the legally permissible period has elapsed ( over 60 days ), I have received no response. Given the lack of verification and their fraudulent nature, I respectfully urge you to facilitate the immediate and permanent removal of these accounts from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: MN

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX  XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Sunnova Energy Corporation
State: MA

Complaint narrative:
I financed a XXXX XXXX system through Sunnova under a long-term loan that included a 25-year warranty, service coverage, and participation in the XXXX XXXX utility incentive program XXXX These were material parts of the contract and the financed price. 
Sunnova filed for bankruptcy in 2025 and transferred servicing of my loan to XXXX XXXX. XXXX is now collecting the full loan payments but confirmed in writing that it did not assume the 25-year warranty or service obligations. They also have not provided any path for me to receive XXXX XXXX incentives going forward and have previously applied incentive payments to my balance without my authorization. 
As a result, I am being billed for a product that no longer reflects the terms I financed. The loss of the 25-year warranty and program participation represents a significant loss of value. I filed a {$30000.00} claim in the Sunnova bankruptcy to reflect this loss, but unsecured creditors are expected to receive only 1.9 % 2.2 % recovery, meaning the issue is not compensated through bankruptcy. 

I sent XXXX a certified dispute letter requesting a principal reduction and clarification of incentive rights. Their response confirmed they are not honoring the warranty but did not offer any resolution, balance adjustment, or explanation of how they are legally entitled to collect full payments under a materially different contract. 

I am seeking CFPB assistance because XXXX is billing the full original loan amount while refusing to honor the contracted services and benefits that justified that amount. I am requesting a principal reduction that reflects the loss of warranty/program value and confirmation that future Connected Solutions incentives will be paid to me directly.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: WI

Complaint narrative:
I am filing a formal complaint against Jefferson Capital Systems LLC for violating the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 

On XX/XX/XXXX, I submitted a written request to Jefferson Capital Systems LLC asking for validation of an alleged XXXX debt ( Account Number XXXX ) that appeared on my credit report. I requested documentation including a signed agreement, a full accounting of the debt, and proof of their authority to collect. 

Their response arrived outside of the 15-business-day window and consisted only of a XXXX cell phone statement XXXX which does not meet the legal standard for debt validation. Despite this, they continue to report the debt to credit bureaus, causing harm to my credit profile. 

Additional items to note : At the conclusion of my contract with XXXX in XXXX, I did call XXXX, and they confirmed that no other money was due. 

Secondly, Upon the first collection request from Jefferson Capital Systems LLC, I did respond to them telling them that this was not a valid debt. Jefferson Capital Systems LLC never replied to that communication. Collection activities began/continued until I decided to take this action starting with the letter sent to Jefferson Capital Systems LLC on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
I received a direct deposit on the third and email saying that XXXX is available and see it pending on my account. Robinhood is refusing to deposit. It will be pending for 3 days by friday. All of these acts i have been reporting are intentional and have made me broke.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: VA

Complaint narrative:
The following accounts listed on my Equifax credit report are erroneous and must be thoroughly investigated. These entries do not accurately reflect my financial history and need to be corrected immediately. 

Charged Off 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bull City Financial Solutions, Inc
State: SC

Complaint narrative:
{$120.00} This emotional toll has been very overwhelming. I have lost sleep, felt constant stress, and experienced the embarrassment of being turned away by landlords for something that i believe should not even be on my record. this has impacted not only me, but my ability to provide safe and stable housing for my family. This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am submitting this formal notice under the Fair Credit Reporting Act 15 U.S.C. 1681c-2 FCRA 605B and 623 as a verified victim of identity theft. I have submitted documentation and supporting evidence including my FTC Identity Theft Report regarding fraudulent accounts that were opened without my knowledge or consent. Despite prior submissions these accounts or their related information continue to appear or remain unblocked in my file. The following fraudulent accounts must be permanently blocked and deleted from my credit file and any future reinsertion of this or related accounts must be automatically prevented per FCRA 605B ( c ) ( 1 ) and 623 ( a ) ( 6 ) ( B ) FRAUDULENT ACCOUNTS XXXX XXXX XXXXXXXX Account No. XXXX Date Opened XXXX, XXXX XXXX Account No. XXXX Date Opened XXXX, XXXX Account XXXX. XXXX Date Opened XXXX These accounts were opened or initiated by unknown parties using my stolen identity as confirmed in my FTC Identity Theft Report. I never authorized or consented to any application or extension of credit connected to these accounts. I demand that under FCRA 605B ( b ) you Permanently block all information related to the fraudulent accounts listed above Delete all existing accounts Ensure future suppression preventing any of these or related accounts from reappearing in my credit report Provide written confirmation of the completed block and deletion within the statutory 4 business days of receipt of this notice Notify all furnishers involved that this information has been identified as fraudulent and must not be re-reported under FCRA 623 ( a ) ( 6 ) ( B ) This request also extends to any fraudulent accounts or information not currently visible in my credit file but mentioned in my FTC Identity Theft Report. Those must be preemptively blocked to prevent appearance or reinsertion. Failure to comply constitutes a willful violation under FCRA 605B ( d ) and 623 ( a ) ( 6 ) and may result in statutory damages attorney fees and civil liability under 15 U.S.C. 1681n and 1681o. Please confirm in writing that all fraudulent information related to these accounts has been permanently deleted and blocked from future 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 2025-12-04 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: WA

Complaint narrative:
INACCURATE ACCOUNTS. THIS ACCOUNT DOES NOT BELONGS TO ME

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 2025-12-04 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: PA

Complaint narrative:
Beginning earlier last year and continuing through XX/XX/year>, I submitted multiple disputes to Experian regarding items appearing on my credit report that were inaccurate, unverified, or furnished without my consent. These disputes included requests for verification of several accounts, closed accounts, auto-loan entries, self-reported utility/telecom lines, student loan entries, and other items that did not appear to be lawfully furnished. I also disputed several addresses and personal identifiers that I never authorized to be reported. 

I requested that Experian provide proper verification and the legally required Method of Verification under the Fair Credit Reporting Act ( FCRA 602, 609, 611, and 623 ). Despite these requests, Experian continued to publish and re-publish the same disputed information without providing evidence of how any item was verified. The responses I received were generic form letters stating the information was verified, even though no proof or documentation was supplied. 

Experian also continued displaying addresses that I did not authorize or recognize, as well as information that appears to have been furnished or reinserted from sources unknown to me. These actions suggest improper use and disclosure of my consumer report, as well as a failure to ensure maximum possible accuracy. 

I have attempted in good faith to resolve this directly through Experians dispute process, but the company has not corrected the unverified information, has not provided a proper reinvestigation, and has not demonstrated compliance with FCRA requirements. The continued publication of unverified data has caused harm to my creditworthiness and financial standing. I am requesting CFPB assistance to address Experians failure to properly investigate, verify, or correct these items and to stop the improper use of my consumer 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 2025-12-04 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: MD

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-12-04 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: NJ

Complaint narrative:
I am writing to dispute several inaccuracies in my credit reports. Below are the accounts I am disputing, separated by each credit bureau. 

Charged Off Accounts : XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$920.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$9000.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$360.00} Inquiries : XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX Late Payments : XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX, Account Number : 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 2025-12-04 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: GA

Complaint narrative:
I am writing to formally dispute certain items on my credit report that I believe may have been compromised as a result of the data breach affecting Experian. As a victim of this breach, my personal and financial information was exposed without my consent, placing me at risk of identity theft and fraudulent activity.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information contained in my credit report is accurate, complete, and verifiable.

The specific items I am disputing include : Account Name : XXXX  XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$2900.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$150.00} INQUIRIES : XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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 writing to dispute the following items on my Experian credit report. I believe these entries are inaccurate or incomplete and violate the Fair Credit Reporting Act ( FCRA ) as they fail to provide correct or up-to-date information. 

Charged-Off Accounts : XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ) XXXX XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ) XXXX  XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ) XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} ) XXXX XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8300.00} ) XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ) XXXX  XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$33.00} ) XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$9200.00} ) XXXX XXXX ( Account Number : XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6700.00} ) XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ) Inquiries : XXXX ( Date : XX/XX/XXXX ) XXXX XXXX XXXX XXXX  ( Date : XX/XX/XXXX ) XXXX XXXX XXXX XXXX  ( Date : XX/XX/XXXX ) XXXX XXXX XXXX XXXX  ( Date : XX/XX/XXXX ) XXXX ( Date : XX/XX/XXXX ) XXXX ( Date : XX/XX/XXXX ) XXXX ( Date : XX/XX/XXXX ) XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX  ( Date : XX/XX/XXXX ) XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX ( Date : XX/XX/XXXX ) XXXX ( Date : XX/XX/XXXX ) Late Payments : XXXX  XXXX ( Account Number : XXXX ) XXXX XXXX ( Account Number : 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