vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: DISCOVER BANK
State: NY

Complaint narrative:
People opened new accounts in my name, they opened a XXXX XXXX  account, Discover and XXXX XXXX  thats in debt for {$15000.00} and it's damaging my account. Also a XXXX  XXXX  credit card and XXXX XXXX I want all of those removed. And I literally told them that the address they sent to isn't mines. And the one that was sent to my address the XXXXXXXX XXXX XXXXXXXX  I throw out because I live with my parents so why would I need that!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: Consolidation Capital
State: NC

Complaint narrative:
I reached out to the company via phone and disputed the balance that is shown on my credit report in the amount of : {$44.00} This company has not reported any updated for my account to the credit bureaus since XX/XX/year>.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am filing this complaint because Equifax failed to conduct a reasonable reinvestigation of my dispute involving the XXXX XXXX XXXX collection account ( Acct. XXXX ), in violation of FCRA 611 ( a ) ( 1 ) ( A ) and FCRA 607 ( b ). 

I previously filed CFPB Complaint XXXX XXXXXXXX on XX/XX/XXXX. 
In that complaint, I provided documentation showing that XXXX XXXX is reporting only to Equifax and not to XXXX  or XXXX. 

During the first investigation, Equifax did not investigate the accuracy of the account. 
Instead, Equifax issued a Closed with explanation response stating only that they required identity verification documents. 

This is a stall response, not a reinvestigation. 
The FCRA requires Equifax to investigate within XXXX  days whether the disputed information is accurate regardless of identity documents already on file. 

Equifax did not : Contact XXXX XXXX  to verify the account Review the contradictory data Compare data across bureaus Respond to the inaccuracies presented Provide any findings Conduct any reinvestigation under FCRA 611 Correct, validate, or delete the account Submitting a generic identity request does not fulfill the FCRA reinvestigation requirement. 

Why the XXXX Account Is Inaccurate & Unverifiable Equifax reports : Balance : {$870.00} Amount past due : {$870.00} Opened : XX/XX/XXXX Status : Collection account Last reported : XX/XX/XXXX XXXX  : Does not report XXXX XXXX  : Does not report XXXX  Under FCRA 607 ( b ), information must be accurate and consistent. 
Under XXXX XXXX standards, an active collection should appear uniformly across CRAs if it is verified and valid. 

It is not possible for a legitimate, verifiable collection account to report only to XXXX bureau with no corresponding furnisher activity on the other XXXX bureaus. 

Therefore, the XXXX account is fragmented, inconsistent, and factually unverifiable. 
Under FCRA 611, information that can not be verified must be deleted. 

Equifax Failed to Conduct a Reasonable Reinvestigation XXXX  prior response : Did not address the inaccuracies Did not address the XXXX XXXX contradictions Did not investigate XXXX XXXX  Did not verify or validate any data Did not fulfill FCRA 611 obligations Was sent instead of a reinvestigation A credit bureau can not use an identity request to avoid its duty to investigate. 

This is a clear reinvestigation violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
Paypal closed my account and won't give me my money. I have {$160.00} in there and they say I have to wait XXXX  months. That's ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: NJ

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit-reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report that it no longer contains any fraudulent information. Several times, I have called the bureau reporting these fraudulent accounts in my report. CREDITBUREAU has not wanted to give me a solution to this problem, where I am being totally affected in being able to acquire a new house for my children. These collections were eliminated and not verified by other bureaus. I don't understand how they usually say that these accounts are mine. I have requested contracts from this company with my information. For more than 60 days, I have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you will make a better decision in my situation. Thank 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 non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN ( last XXXX ) : XXXX I am writing to dispute the accuracy of several items on my credit file. 

Please investigate and delete the following inaccurate accounts : XXXX. XXXX XXXX ( XXXX XXXX {$1500.00} ) : No validation, incorrect balance. 
XXXX. XXXX XXXX XXXX XXXX {$2200.00} ) : Previously disputed, still inaccurate. 
XXXX. XXXX XXXX {$39000.00} : Balance appears inflated and unverifiable. 
XXXX. XXXX {$26000.00} : Incorrect amounts, no documentation. 
XXXX. XXXX XXXX : Incorrect balance and payment history. 
XXXX. XXXX XXXX XXXX : Reporting inaccurate dispute/resolution notes. 

I also request verification and correction of : Incorrect payment history entries Addresses not belonging to me Any unauthorized inquiries Please complete your investigation within XXXX  days and mail me the results. 

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 2025-11-25 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: GA

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating 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 non-monetary relief
Consumer complaint received 2025-11-25 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: NJ

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: NJ

Complaint narrative:
This account was previously deleted as fraudulent after an identity theft report was filed with the XXXX. Experian has unlawfully reinserted the same account without providing written notice or valid verification from the furnisher as required under Section 611 ( a ) ( 5 ) ( B ) and Section 605B of the Fair Credit Reporting Act. This is a clear violation of federal law and my consumer rights. I am requesting the CFPB to review this matter and require XXXX to remove the reinserted account permanently and provide confirmation in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am reporting an unauthorized credit inquiry on my credit report that was made without my knowledge or consent. I had no dealings with this company and did not authorize access to my credit file, which is a violation of FCRA 1681b. This may be linked to identity theft. Ive filed an XXXX Identity Theft Report and request a proper resolution. 
An unauthorized inquiry to be removed : [ XXXX XXXX XXXX XXXX [ XX/XX/year>

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 2025-11-25 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: PA

Complaint narrative:
I sent official letter that I have charity care from XXXX. Each time they come back saying that the debt is still valid with no explanation. The amount is from XXXX XXXX XXXX for XXXX. It is in collection from XXXX XXXX. This is currently coming back from Experian. The investigation took less than week and does not seem like they really investigated the matter and XXXX removed the debt.

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 2025-11-25 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: CA

Complaint narrative:
FCRA Violations Request for Immediate 605B Identity Theft Block for Fraudulent XXXX Account I am filing a complaint because I am the victim of identity theft and XXXX is attempting to report a fraudulent credit account using my personal information. I need TransUnion, Experian, and Equifax to apply an immediate block under FCRA 605B before this account appears on my credit reports. 
Summary of Issue A fraudulent hard inquiry from XXXX previously appeared on my credit report. I disputed it as identity theft with a police report and it was removed around XX/XX/XXXX. This confirms the creditor never had lawful authorization to access my credit file. 
Despite this, XXXX XXXX now attempting to report a fraudulent account under my name, Social Security number, and address.I did not apply for, open, authorize, or consent to any account with XXXX. 
Key Facts * The original XXXX inquiry was proven fraudulent and removed. 
* I have already filed a police report and am including it. 
* I am invoking my rights under FCRA 605B. 
* The bureaus are required to block this fraudulent account within four business days of receiving my documentation. 
* The account has not yet appeared on TransUnion or Experian, but the creditor is attempting to report it. 
* Allowing a known fraudulent account to appear after receiving a police report would be a violation of the FCRA. 
Legal Basis Under FCRA 605B ( a ) : A consumer reporting agency must block information that results from identity theft not later than 4 business days after receiving. 

Under FCRA 605B ( b ), once the CRA receives this documentation, it must block the information and prevent it from reappearing, unless the creditor certifies it is not fraud which XXXX can not do, because they removed the original inquiry as unauthorized.

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 2025-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I have been an XXXX XXXX customer through XXXX insurance services for years. Last fall the company announced it was mergiing and would be migrating payments to a different processor. I was assured several times that all was in order and then mysteriously received a notification from a debt collector in XXXX. I contact my agent, who responded in writing that all premiums had been paid. 

I have provided copies of bills, payments, and statements to the debt collection agency and have received no response. 

I now see that a debt collection is listed on my credit report and has negatively impacted my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am a victim of identity theft and this account is fraudulent. Navy Federal is furnishing information that it can not verify. I have attached my XXXX Identity Theft Report, my formal Furnisher Accountability Notice, and supporting documents. I am requesting immediate deletion of all reporting related to this account under FCRA 605B and 623 ( b ). Navy Federal has failed to provide original signed documentation to establish this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sunnova Energy Corporation
State: FL

Complaint narrative:
Complaint : I entered into two solar lease agreements ( Contract XXXX XXXX and XXXX ) with XXXX/Sunnova/XXXX for solar systems that were represented as properly sized for my home and capable of lowering my electricity costs. This was false. 

The first system ( XXXX ) was undersized and never met my energy needs. Instead of correcting this, the company sold me a second system in XXXX with another XXXX lease, increasing my monthly costs. 

Despite paying {$300.00} every month, I continue to receive XXXX XXXX bills. In XX/XX/XXXX, one of the systems failed and I received a bill of {$180.00}, while still paying the full lease amount. 

My XXXX XXXX bills show I paid {$6000.00} for electricity from XX/XX/XXXX to XX/XX/XXXX. If I had no solar panels, I would have paid {$3600.00} for the same period. I have suffered {$2300.00} in direct financial losses. 

The company refuses to adjust payments, correct system sizing, compensate for losses, or provide meaningful resolution. The contracts contain absolute and unconditional payment clauses that eliminate consumer defenses, which is unfair and abusive. 

I request contract cancellation, removal at no cost, and full financial relief for the documented losses.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of XXXX OF XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of XXXX Identity Theft Criminal Complaint XXXX as proof from the US XXXX XXXX XXXX that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-11-25 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: DE

Complaint narrative:
I have a number on my TransUnion credit report that is stopping me from getting bank accounts etc. The number is under person information section on my credit report. I have never had that number before and any time I apply for something I need to verify my identify and that number is what I have to verify, and I don't know that number. I have called TransUnion to dispute they said they can't dispute it over the phone. I have tried to dispute it online and it couldn't go through. At this point I don't know what to do.

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 2025-11-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN ( last XXXX ) : XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Re : Method of Verification Request XXXX XXXX This account continues to report with derogatory remarks even after disputes were resolved subscriber disagrees. 

Under FCRA 611 ( a ) ( 7 ), I request : The name of the person you contacted The method used to verify the account The documents provided to verify the information If you can not provide this information, delete the account immediately. 

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