vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
This is in response to complaint XXXX and XXXX against Goodleap LLC. XXXX, While I acknowledge receipt of your CFPB response, your letter still fails to address the core issue : I am left with an incomplete, non-operational XXXX XXXX sold and arranged through your financing, with the original installer now out of business. 

XXXX attempt to distance itself from Modern Concepts ignores the fact that you funded and facilitated this transaction. The system was sold, financed, and installed as a single package without the equipment functioning as promised, the underlying loan is tied to a product that can not be delivered as contracted. That constitutes a failure of consideration and a breach of contract under both state and federal consumer law. 

While you frame your goodwill measures as temporary relief, they do not resolve the central problem : I did not receive what I financed. 

The delay has already caused me financial harm. 

You are reporting an active loan for a system that does not work. 

I have already escalated this to the Consumer Financial Protection Bureau and the Attorney XXXX XXXX, both of which are actively reviewing the matter. I will be providing them with your reply, which clearly states that you are aware the system is incomplete, yet you still refuse to cancel the loan or correct my credit reporting. 

Given these facts, I am again demanding : Full cancellation of the loan and removal of any related negative credit reporting. 

Written confirmation of cancellation within XXXX business days. 

A copy of all communications, contracts, and agreements you claim absolve GoodLeap from liability in this transaction. 

Failure to comply will result in my pursuing additional remedies, including but not limited to : Filing formal complaints with the Federal Trade Commission. 

Providing documentation to local and national media covering solar financing fraud cases. 

Seeking legal action under state and federal consumer protection statutes. 

Please treat this as a formal, time-sensitive demand. I will not accept partial fixes, temporary deferrals, or further delays. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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:
These accounts are being reported in my name without my authorization or knowledge. I have never applied for, opened, or managed them. Their presence on my credit report is unacceptable, as it reflects inaccurate and misleading information about my financial history. 

I take the accuracy of my credit profile extremely seriously. The reporting of these unauthorized accounts is of significant concern, and I require immediate clarification as to why they are appearing and who is responsible for furnishing this information. 

.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
On XX/XX/year>, XXXX ( Columbia Debt Recovery LLC dba Genesis ) sent me an initial collection notice for {$950.00} regarding XXXX XXXX. The notice stated I had until XX/XX/year> to dispute and that if I disputed in writing by that date, Genesis must stop collection on any disputed amount until it mailed information showing I owe the debt, and it provided XXXX for electronic disputes. 

On XX/XX/year>, I timely disputed in writing by emailing the compliance address and requested validation and documentation ( itemization ; lease/move-out reports ; invoices/photos ; interest calculation ; and the original creditors name/address if different ). 

Despite my timely dispute, on XX/XX/year> Genesis sent a new Account Balance demand asking me to pay or set up a payment plancontinued collectionbut has not mailed validation. 

The underlying charges are also in question : my surety ( XX/XX/XXXX) asked the landlord for proof of painting and mirror charges and, when no documents were provided, omitted those items from its partial payment. 

My understanding is that under the FDCPA validation rule ( XXXX U.S.C. XXXX ( b ) ) and Regulation XX/XX/XXXX( XXXX C.F.R. XXXX ), once a consumer disputes in writing within XXXX  days, the collector must cease collection until it mails verification. XXXX XX/XX/XXXX demand appears to violate these protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: NV

Complaint narrative:
I attempted to contact Experian about inquiries on my credit file and was unsuccessful. This credit furnisher makes it impossible to speak to a live agent. The inquiries listed on my complete and accurate identity theft report was not authorized by me. I submitted the proper documentation in my attachment to have these fraudulent inquiries removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: IL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-08-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DE

Complaint narrative:
To Whom It May Concern, This letter is in response to your request for clarification regarding the account placed with your office by XXXX XXXX XXXX XXXX 

I am formally disputing this account in its entirety. I did not reside at the property in question at any time and am not financially responsible for any charges associated with it. At the time this lease was signed, I was living elsewhere while attending college. My name was placed on the lease strictly in a non-financial capacity, with no obligation for rent, fees, or damages. 

I am not acknowledging residency and do not wish to settle the account because I am not liable. Any reporting of this debt to credit bureaus is inaccurate and constitutes furnishing false information under the Fair Credit Reporting Act ( FCRA ). I am requesting that your office immediately update your records, cease all collection activity, and remove any negative credit reporting associated with this account. 

Failure to correct this matter may result in me pursuing all remedies available under federal and state law. 

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 explanation
Consumer complaint received 2025-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT 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

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 2025-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 2025-08-12 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: WA

Complaint narrative:
My personal papers and personal documents were stolen a while ago and people used my name and information to get stuff like cars and credit cards. These are not my accounts and I want them off my credit. This is causing me major XXXX  and XXXX, I need this resolved asap.

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 2025-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent.

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681i, and with my FTC Identity Theft Report, I dispute this account. Remove this item immediately. Account name XXXX Account 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 2025-08-12 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: MS

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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:
TransUnion failed to properly investigate my credit dispute, violating the FCRA. I provided proof of inaccurate reporting, but their XX/XX/year> letter gave only a generic Investigation Procedure response without stating specific findings, showing evidence reviewed, or explaining how accuracy was verified. The disputed errors remain on my 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 non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report lists a repossession record that I believe is inaccurate or unverifiable. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), I am entitled to a fully accurate credit report. I request a review of this repossession entry, and if it can not be substantiated, its removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ 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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for repeated violations of the Fair Credit Reporting Act ( FCRA ) and related federal law. 

After filing disputes, multiple negative accounts and inquiries were deleted from my credit reports. However, these same items were later reinserted without the legally required written notice and without proper verification, in direct violation of : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Prohibits reinsertion of previously deleted information unless the furnisher certifies accuracy and the CRA provides me written notice within 5 business days of reinsertion.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Requires timely provision of the method of verification upon request.

15 U.S.C. 1681e ( b ) Requires CRAs to follow reasonable procedures to assure maximum possible accuracy of consumer information.

15 U.S.C. 1681s-2 ( b ) Furnishers duty to reasonably investigate and report accurate results to CRAs.

Experian Evidence : From my XX/XX/year> Experian dispute results ( attached ), the following items were deleted : XXXX  deleted after dispute, later reappeared. 

XXXX XXXX XXXX deleted after dispute, later reappeared. 

Multiple inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) deleted, then reappeared. 

This pattern also occurs with Equifax and TransUnion, who have similarly reinserted previously deleted data without : Written notice of reinsertion within 5 business days. 

Proof of proper certification from furnishers. 

Providing the method of verification when requested. 

Harm Suffered : Damaged credit score from unlawful reinsertions. 

Denial of credit and increased interest rates. 

Emotional distress from repeated disputes and uncertainty about credit file accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for repeated violations of the Fair Credit Reporting Act ( FCRA ) and related federal law. 

After filing disputes, multiple negative accounts and inquiries were deleted from my credit reports. However, these same items were later reinserted without the legally required written notice and without proper verification, in direct violation of : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Prohibits reinsertion of previously deleted information unless the furnisher certifies accuracy and the CRA provides me written notice within 5 business days of reinsertion.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Requires timely provision of the method of verification upon request.

15 U.S.C. 1681e ( b ) Requires CRAs to follow reasonable procedures to assure maximum possible accuracy of consumer information.

15 U.S.C. 1681s-2 ( b ) Furnishers duty to reasonably investigate and report accurate results to CRAs.

Experian Evidence : From my XX/XX/year> Experian dispute results ( attached ), the following items were deleted : XXXX  deleted after dispute, later reappeared. 

XXXX XXXX XXXX deleted after dispute, later reappeared. 

Multiple inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) deleted, then reappeared. 

This pattern also occurs with Equifax and TransUnion, who have similarly reinserted previously deleted data without : Written notice of reinsertion within 5 business days. 

Proof of proper certification from furnishers. 

Providing the method of verification when requested. 

Harm Suffered : Damaged credit score from unlawful reinsertions. 

Denial of credit and increased interest rates. 

Emotional distress from repeated disputes and uncertainty about credit file accuracy.

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 2025-08-12 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: MS

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation