vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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:
I WAS REVIEWING MY CREDIT REPORT, AND I NOTICED UNAUTHORIZED INQUIRIES 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 non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft. XXXX XXXX XXXX opened an auto loan in my name for a used vehicle without my knowledge or consent. The fraudulent account is reported on Experian with a balance of {$26000.00} and a last payment date of XX/XX/year>2024. I have never applied for, authorized, or signed any loan or financing agreement with XXXX XXXX XXXX. 
I submitted a dispute to Experian and provided an FTC Identity Theft Report, proof of identity, and a written statement affirming that this account is fraudulent. I also requested documentation from XXXX XXXX XXXX proving that I authorized this loan, but the company did not provide any information. Despite these actions, the fraudulent account remains on my credit report, negatively affecting my credit. 

I am requesting that XXXX XXXX XXXX immediately investigate this fraudulent account, stop reporting it to Experian, and provide written confirmation that the account has been deleted. I am also requesting that Experian permanently block this account in compliance with 15 U.S.C. 1681c-2.

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 2025-08-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: LAND HOME FINANCIAL SERVICES
State: CA

Complaint narrative:
On or about XX/XX/XXXX, a forged Interspousal Transfer Deed ( XXXX XXXX XXXX XXXX XXXX # XXXX ) was recordedfraudulently removing me from title without my consent, knowledge, or signature. I did not discover this until XX/XX/XXXX, while attempting to enforce a 4-year-overdue marital settlement agreement in state court. 
My girlfriend at the time, who works for the City of XXXX, California, suggested I check public records at the Recorders Officesomething I did not even know was possible. I initially resisted, but when I went in, I discovered the forgery by accident. 
This fraudulent deed was subsequently relied on by Land Home Financial Services to process and close a mortgage transaction. I served three formal demand letters between XX/XX/XXXX and XX/XX/XXXX, with detailed exhibits ( signature overlays, notarial misconduct, title inconsistencies ). I also sent the filings through both the courts e-filing portal and by XXXX Priority Mail. 
Land Home Financial did not respond to my demands. Worse, after accepting the first emailed filing without error, they then blocked my email service at the source. Starting on XX/XX/XXXX, all subsequent emails to XXXX were rejected with a XXXX XXXX Recipient address rejected : Access denied message. This occurred only after they received my filings and the court docket reflected service. XXXX records confirm physical delivery as well. 
This sequence shows deliberate obstruction of servicea company knowingly cutting off an XXXXprotected pro se litigants ability to communicate after being put on notice of fraud. It is not only fraudulent, but also discriminatory and retaliatory. 
I have escalated the matter to the XXXX Department of Justice ( OCR ), SBA OIG, IRS, and the U.S. Trustee Program, but Land Home Financials refusal to investigate or even accept service continues to cause direct financial harm.

I am requesting immediate CFPB enforcement and regulatory oversight to : Investigate Land Home Financials reliance on a forged deed Address their deliberate email blocking of service after notice Compel corrective action and accountability for consumer harm

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 2025-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Date of Birth : XX/XX/year> Last 4 SS : XXXX XXXX XXXX XXXX  To Whom It May Concern Account Name : Portfolio Recovery Assoc Account Number : XXXX I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$630.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
Loan Agreement No. [ XXXX ] Request for Fair Adjustment of Loan Balance Dear GoodLeap Loan Servicing Department, I am reaching out as a long-time customer to request your cooperation in resolving a significant imbalance between the current loan balance on my solar system and its actual fair market value. My goal is to work together toward a reasonable and mutually beneficial adjustment, rather than allow this disparity to create long-term hardship. 
Why This Matters Now In XXXX, I financed an XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) at a contract price of {$45000.00} equivalent to {$3.00} per watt. According to authoritative sources such as the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX, prevailing XXXX  Texas market prices were closer to {$2.00} $ XXXX. 
At those benchmarks, an XXXX XXXX XXXX would have had an initial fair market value in XXXX  between : {$29000.00} ( $ XXXX XXXX XXXX ) {$34000.00} ( $ XXXX XXXX XXXX ) That means my contract price was roughly 3152 % higher than comparable installations in the same year and region. 


The Present Reality After nearly six years of service life, normal depreciation, and considering typical removal/reinstallation costs, the systems fair market value now stands at approximately {$9500.00} {$10000.00} well below the current loan balance. Continuing to carry a balance far in excess of the assets actual worth is both financially unsustainable for me and misaligned with the underlying collateral value.

This is not an attempt to walk away from my obligations. I remain committed to paying a fair amount for the system I have, but that amount should reflect industry data, market reality, and or the systems actual resale value today.

Why This Benefits Both of Us A fair adjustment now avoids the risk of default, ensures continued on-time payments, and demonstrates GoodLeaps commitment to customer fairness and long-term satisfaction. It also positions GoodLeap as a leader in responsible solar lending practices at a time when consumer trust in the industry is vital.

I look forward to working with you to resolve this matter promptly. Please review the enclosed Fair Market Value Exhibits Packet and provide a written response within 30 days. I am available at XXXX or XXXX to discuss solutions.Thank you for your time, consideration, and commitment to doing whats right for your customers. 



As of XXXX. 

I have not seen a reply from XXXX. 
As I provided in the attachment. 
One on the email he has initiated but hasn't responded. Also which was sent as a text message as to which he hasn't responded. 

A second seperate email also sent to XXXX to which he has not responded. 

Please clarify why XXXX hasn't responded to either emails or text messages. I was told he was on leave sometime ago, but this is a bit long.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: HireRight Solutions, Inc.
State: TN

Complaint narrative:
I am disputing inaccurate and unverifiable information on my HireRight background report. 

On XX/XX/scrub> 2025, HireRight produced a report ( Record ID : XXXX ) which states : XXXX XXXX XXXX informed HireRight that this person is not currently eligible to use its platform due to safety-related reports. 

This entry contains no dates, no description of any alleged incident, and no supporting documentation. 

I disputed this record with HireRight ( XXXX # XXXX ). On XX/XX/year>2025, HireRight marked the dispute completed but did not provide any additional information or supporting documentation beyond the same vague safety-related wording. 

On XX/XX/year>2025 at XXXX XXXX CST, I spoke with a HireRight representative named XXXX ( Customer Care Support ). She confirmed : XXXX did not provide HireRight with any documentation. 
Stated : XXXX does not give HireRight that information. 
She confirmed the call was recorded by HireRight. 

On XX/XX/scrub> 2025 at XXXX XXXX  CST, I spoke with a HireRight representative named XXXX ( Customer Care Support ). He confirmed : XXXX did not provide HireRight with any documentation. No HireRight does not require XXXX to provide documentation. No Is there any proof in my file to support XXXX statement? No The only record in my file is XXXX statement itself, with no proof. Yes He also confirmed the call was recorded by HireRight. 

These admissions demonstrate that HireRight is knowingly publishing a damaging record with no evidence and no verification. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), disputed information that can not be verified must be deleted from a consumer report.

Despite this, HireRight continues to report the unverifiable safety-related entry. This has directly caused my deactivation from both XXXX and XXXX, eliminating my source of income. 

Supporting Documentation to Upload : HireRight Original Report ( XX/XX/year>2025 ) showing the vague entry. 
HireRight Dispute Report ( XX/XX/scrub> 2025 ) showing dispute closure with no evidence. 
Original Dispute Letter ( XX/XX/scrub> 2025 ). 
Call Log documenting XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) confirming no documentation exists and HireRight does not verify XXXX claims. 
Certified Mail receipt showing I properly submitted my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: IL

Complaint narrative:
In XX/XX/XXXX 2025, my husband, XXXX XXXX ( now deceased, date of death XX/XX/XXXX, 2025 ), opened credit card accounts in my name without my knowledge or consent. He did this online using my personal information. 
Specifically : XXXX XXXX XXXX XXXX Balance of {$15000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ending in XXXX, Expiration XX/XX/XXXX, Security Code XXXX, with a balance of {$16000.00} I never authorized, applied for, or used these accounts. I was unaware they existed until after his passing. 
After discovering these accounts in XX/XX/XXXX2025, I immediately : Contacted XXXX XXXX and XXXX by phone and in writing to dispute the debts as fraudulent. 
Sent multiple certified copies of XXXX XXXX death certificate, my marriage certificate, and my government-issued ID. 
Provided XXXX XXXX with court information showing his will is not in probate. 
Filed written disputes, clearly stating I did not open or use these accounts. 
Despite my actions, XXXX XXXX continues to pursue me for the {$15000.00} debt, and XXXX continues to report a {$16000.00} debt in my name, harming my credit. Both companies have failed to remove these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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:
In XX/XX/XXXX 2025, my husband, XXXX XXXX ( now deceased, date of death XX/XX/XXXX, 2025 ), opened credit card accounts in my name without my knowledge or consent. He did this online using my personal information. 
Specifically : XXXX XXXX XXXX XXXX  Balance of {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX ending in XXXX, Expiration XX/XX/XXXX, Security Code XXXX, with a balance of {$16000.00} I never authorized, applied for, or used these accounts. I was unaware they existed until after his passing. 
After discovering these accounts in XX/XX/XXXX, I immediately : Contacted XXXX XXXX and XXXX by phone and in writing to dispute the debts as fraudulent. 
Sent multiple certified copies of XXXX XXXX death certificate, my marriage certificate, and my government-issued ID. 
Provided XXXX XXXX with court information showing his will is not in probate. 
Filed written disputes, clearly stating I did not open or use these accounts. 
Despite my actions, XXXX XXXX continues to pursue me for the {$15000.00} debt, and XXXX continues to report a {$16000.00} debt in my name, harming my credit. Both companies have failed to remove these fraudulent 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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have previously disputed Experian and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jim Bottin Enterprises, Inc
State: OK

Complaint narrative:
Recieved phones called from XXXX XXXX XXXX saying that I owe XXXX on a XXXX loan back in XXXX and threatening to garnish my XXXX month check.and sending it to all credit bureaus They did say 3pmts were made. I truly dont remember this account. I did have a roommate for a little over a year she now I believe live in XXXX XXXX CA. XXXX XXXX XXXX has the account but you have to pay the collection agency Im confused like one holds the debt but you pay another. XXXX XXXX XXXX phone number is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: AR

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 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is my # 2 complaint because the first compliant was closed, but the issues are not been fixed at all. Also I'm not able to re-open XXXX. The issue is I'm not able to transfer money from my BMO checking account to any other bank account which is the basic checking account functionality. Same issue for my mortgage account, I'm not able to make payment from any of my other bank accounts. I'm seeing errors and " Profile on hold '' error from the XXXX to today. The issues are not fixed! Please keep this complaint open until I confirmed it's fixed!

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 2025-08-27 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: MO

Complaint narrative:
On or about XX/XX/scrub> 2025, I discovered that one or more derogatory accounts and unauthorized credit inquiries were appearing on my credit file, reported under the name XXXX XXXX, which is a legally protected, trademarked identity. I never granted written consent for any entity to report, transmit, or attach commercial debt to this name. 

I contacted the furnishing party and requested, under FCRA 609 ( a ) ( 1 ) and FDCPA 809 ( b ), full documentation, including the original signed application, the complete payment ledger, billing statements, and chain of assignment to confirm the legal right to report this account.

The company failed to provide this documentation. I also requested deletion from the credit bureaus and instructed that this not be processed through the e-OSCAR system, due to its inability to address contractual and trademark-based disputes requiring legal review.

Despite my formal request, the account and inquiries remain, and I have received no contract, no verification, and no signed authorization. This has caused material harm to my credit, including denials of funding and credit access. I have acted in good faith, yet the company continues to publish unverifiable, unauthorized data.

This constitutes both a failure to validate under the FCRA and a misuse of my legally protected identity, and I am requesting immediate intervention from the CFPB to ensure this is corrected.

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 2025-08-27 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: TX

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: NY

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 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
MIDLAND CRED AND XXXX XXXX XXXXs falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED AND XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX ANDXXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation