vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
As of today, I received notices from all three credit bureaus indicating that my mortgage with XXXX XXXX XXXX has been reported as delinquent. This information is inaccurate. I proactively contacted XXXX XXXX XXXX to inform them of my financial hardship, and all communications and statements from their team confirm that I have been placed on a forbearance plan. 

Per the terms of the Fair Credit Reporting Act and the CARES Act, I should not be subject to any negative credit reporting during this period of forbearance. 

Additionally, I previously submitted a formal dispute to XXXX XXXX XXXX regarding past late payments and other inaccurate information appearing on my credit reports. I did not receive any response or acknowledgment within the 30-day window as required by law.

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 2025-07-10 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: NJ

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. 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 explanation
Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would ike for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$9600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5700.00} XXXX AXXXX XXXX {$3900.00} XXXX XXXX {$6700.00} XXXX XXXX XXXX XXXX  {$3700.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXXXXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$4600.00} XXXX CORNERSTONE {$4300.00} XXXXXXXX XXXX {$3500.00} XXXX XXXX {$3500.00} XXXX XXXX {$3100.00} XXXX XXXX {$3100.00} XXXX XXXX {$2200.00} XXXX XXXX {$2000.00} XXXX XXXX {$1000.00} XXXX XXXX {$0.00} XXXX Employment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, 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 2025-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
We previously had a homeowners insurance policy with XXXX XXXX ; however, the policy was solely in my wife 's name. At XXXX point, we filed a legitimate claim related to roof damage, which should have been covered under our policy. Unfortunately, XXXX XXXX denied the claim, leaving us responsible for repairing a leaking roof out-of-pocket. 

Due to this unsatisfactory experience, we decided to switch providers and obtained coverage through XXXX XXXX. We canceled the XXXX XXXX policy, assuming the account was closed. However, it appears they continued to bill us without our knowledge or authorization after the cancellation. 

We were not made aware of any outstanding balance and did not receive any notification that this would be reported to the credit bureaus. This matter should not have impacted my personal credit file, as the policy was not in my name and there was no signed agreement obligating me to any debt with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : 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 2025-07-10 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: FL

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$700.00} XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$640.00} XXXX XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$700.00} XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$640.00} XXXX XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. 

This misreporting has negatively impacted my credit score and XXXX hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
Re : Dispute of Fraudulent Tradeline XXXX XXXX  File Numbers : Equifax : [ Your Equifax File # ] Experian : XXXX TransUnion : [ Your TU File # ] To Whom It May Concern : I am writing to dispute an unauthorized and inaccurate tradeline on my credit reports. Under the Fair Credit Reporting Act, please investigate and permanently delete this item from my files : Account Name : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Charged off ; {$5600.00} written off ; {$5600.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX On Record Until : XX/XX/XXXX I did not open or authorize this account. Enclosed are copies of my FTC Identity Theft Affidavit and police report. 

Requested Actions : Delete the above tradeline from my Equifax, Experian, and TransUnion files. 

Send written confirmation from each bureau once deletion is complete. 

Provide twelve months of complimentary credit-monitoring services at no cost to me. 

Please complete your reinvestigation within 30 days of receipt of this letter and notify me in writing of the outcome. 

Thank you for your prompt attention to restoring the accuracy of my credit reports. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Re : Dispute of Fraudulent Tradeline XXXX XXXX  File Numbers : Equifax : [ Your Equifax File # ] Experian : XXXX TransUnion : [ Your TU File # ] To Whom It May Concern : I am writing to dispute an unauthorized and inaccurate tradeline on my credit reports. Under the Fair Credit Reporting Act, please investigate and permanently delete this item from my files : Account Name : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Charged off ; {$5600.00} written off ; {$5600.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX On Record Until : XX/XX/XXXX I did not open or authorize this account. Enclosed are copies of my FTC Identity Theft Affidavit and police report. 

Requested Actions : Delete the above tradeline from my Equifax, Experian, and TransUnion files. 

Send written confirmation from each bureau once deletion is complete. 

Provide twelve months of complimentary credit-monitoring services at no cost to me. 

Please complete your reinvestigation within 30 days of receipt of this letter and notify me in writing of the outcome. 

Thank you for your prompt attention to restoring the accuracy of my credit reports. 

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 2025-07-10 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: AL

Complaint narrative:
I am filing a dispute against the debt collection agency * * XXXX XXXX XXXX XXXX XXXX * * for reporting a collection account on my credit report that I do not recognize. 

* * Collection Agency : * * XXXX XXXX XXXX XXXX XXXX I have not received any prior validation notice for this alleged debt. I am unaware of any outstanding balance owed to this agency or the original creditor. No documentation has been provided despite my attempts to request verification. 

Under the * * Fair Credit Reporting Act ( FCRA ) * * and the * * Fair Debt Collection Practices Act ( FDCPA ) * *, I am entitled to proper notification and verification before any such reporting can occur.

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 2025-07-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Sunlight Financial LLC
State: PA

Complaint narrative:
In early XXXX, I agreed to solar panel installation through XXXX XXXX XXXX ( now defunct ), under the impression that it was part of a government-supported or utility-endorsed program designed to reduce electric bills with little or no upfront cost. I was not made fully aware that this would involve a large loan or that a lien would be placed on my home as a result. 

I now understand that I was asked to sign a loan agreement electronically at the time of the installation, but I did not understand I was authorizing a lien or taking on long-term debt. The sales process was rushed, misleading, and lacking transparency. At the time, I was not given clear access to loan documentation or terms. I believe the financing was originally arranged through XXXX XXXXXXXX XXXX ( New Jersey ), but it may have since been transferred to or is now serviced by Sunlight Financial. 

The XXXX XXXX itself was rushed into approval without adequate evaluation. I live in a heavily wooded area, with significant shade over my roof. Despite this, they went ahead with the installation and laid the panels flat against my roof, with no angling for efficiency. As a result, the system performs poorly and has not delivered the promised savings or energy output. 

I only recently discovered that a lien had been placed on my property. This was never explained to me, nor was I given the opportunity to review or dispute it. I have never received full documentation or disclosures regarding this lien or the loan itself. 

On XX/XX/XXXX, I sent an email to Sunlight Financial requesting clarification and documentation related to this loan and lien. As of now, I have not received a response. 

In addition to filing this CFPB complaint, I have joined the class action lawsuit against XXXX XXXX XXXX in the North Carolina courts ( led by the Attorney General ), and I have also filed a complaint with the Pennsylvania Attorney Generals office. Neither case has reached a resolution yet, but I am actively pursuing accountability through all available channels. 

This situation has caused financial and emotional strain. I believe I was misled and taken advantage of during the sales and loan process, and that the solar installation  was conducted irresponsibly. I am seeking a full investigation into the practices involved, complete loan documentation, and a resolution that acknowledges the harm done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION
State: MN

Complaint narrative:
I am a veteran and long-time customer of Navy Federal Credit Union XXXX Over the years, I have held multiple credit products with them, including a car loan, personal loan, and four credit cards. 

I experienced a temporary financial hardship that resulted in a few late payments. I submitted a formal goodwill deletion request, citing my history, service background, and hardship, which is a legal and common practice many lenders honor. 

Navy Federal responded with a generic, copy-paste denial, claiming they can not remove accurate information. However, the FCRA does not prohibit goodwill adjustments, and I made it clear I was not disputing the accuracy only requesting a one-time courtesy adjustment. 

I followed up and specifically asked for their internal policy text or documentation that prohibits goodwill deletions. They refused to provide it and did not address the hardship circumstances or my service history. 

I also requested they at least note on my credit file that the late payments were caused by hardship and that NFCU refused a goodwill adjustment. I received no confirmation that this was done. 

This rigid and dismissive approach is inconsistent with the values they advertise, especially toward veterans. I am filing this complaint to formally document their refusal to engage in meaningful review, misrepresentation of FCRA limits, and failure to provide requested policy backing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: IL

Complaint narrative:
You are hereby notified that the items below are being disputed as inaccurate and unverifiable. According to FCRA 609 and 611, you must provide a complete investigation and validation of these accounts within 30 days. If you are unable to do so, you are obligated to delete the entries from my credit report. Please comply promptly to avoid further action. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : $ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}

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 2025-07-10 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: IL

Complaint narrative:
You are hereby notified that the items below are being disputed as inaccurate and unverifiable. According to FCRA 609 and 611, you must provide a complete investigation and validation of these accounts within 30 days. If you are unable to do so, you are obligated to delete the entries from my credit report. Please comply promptly to avoid further action. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : $ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
I am submitting this complaint in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., regarding inaccurate and unverifiable information being reported by several furnishers to the credit bureaus, as well as unauthorized inquiries appearing on my credit reports XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$750.00} XXXX XXXX XXXX  Balance : {$2600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} 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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

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 2025-07-10 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: TX

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. 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