vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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: CL Holdings LLC
State: FL

Complaint narrative:
I have disputed with this furnisher several times, and all they did was re-age, modify/change dates, and update accounts. I requested the method of verification, the chain of custody, original purchase agreement. None of these documents were provided ; all I received was a continuous flow of copies of billing statements, which is not sufficient as debt validation. I believe that this is inaccurate reporting and violates my right to factual and accurate reporting. 
This furnisher continues to attempt to collect a debt without providing proper validation, listing an open balance on a closed/charged-off account, date of delinquency, closed, and last payment are all different on all three bureaus .. As per FCRA and FDCPA, several laws have been violated. XXXX Fair Debt /Statutory as per 15USC1681i, a,7, E B, 15USC 1692C C. 
I have a right to accurate reporting using proper investigation, not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned 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 explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Ava Finance, Inc
State: NC

Complaint narrative:
The company is Ava finance llc I had a credit builder account and a vertical credit card account in XX/XX/year> my chase debit card was closed this the card that was link to my Ava account. I had a balance of XXXX on credit card and I was down to my last two payments on my credit building account after XXXX payments you get XXXX dollars back. So I was unable to make payments the app wasnt allowing me upload my new debit card to resolve the balance and make my last two payments. So for the past five months I been going threw this and they just cancelled my subscription this month XX/XX/scrub>XXXX XXXX  and they have been reporting and flagging this account to all creditors

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: NC

Complaint narrative:
This complaint is a continuation of my prior CFPB complaint regarding fraudulent XXXX XXXX accounts and related credit reporting issues. 

The fraudulent accounts in question were created using the address XXXX XXXX XXXX XXXX, XXXX, NC, which is not and has never been my residence. My correct addresses are XXXX XXXX XXXX XXXX and my previous residence XXXX XXXX XXXX XXXX 

I have already provided proof to XXXX XXXX, the credit bureaus, and through prior CFPB complaints that accounts tied to XXXX XXXX XXXX XXXX are fraudulent. Several creditors, including XXXXXXXX XXXX and XXXX XXXX, have already deleted accounts tied to this fraudulent address. Credit bureaus have also removed other accounts and inquiries associated with this same fraudulent activity. 

Despite this evidence, XXXX XXXX continues to report an account linked to XXXX XXXX XXXX XXXX, causing harm to my credit, including denial of loans and loss of financial opportunities. 
Despite my dispute, XXXX XXXX verified the account solely by referencing public records that linked my name to this false address, instead of reviewing actual application data, signatures, or ownership records. This is an insufficient and unreasonable basis for verification under federal law. 

I have already provided documentation proving that the disputed address does not belong to me. The credit bureaus accepted this proof and removed the address from my file. Multiple other accounts tied to this same address were also deleted as fraudulent. 

Most importantly, Equifax has already confirmed that all XXXX XXXX, XXXX XXXX, and XXXX inquiries tied to this same false address were fraudulent and permanently deleted. If the underlying inquiries are fraudulent, then the accounts connected to them must also be fraudulent. It is impossible for the inquiry to be invalid but the account to remain valid. 
Under the Fair Credit Reporting Act ( FCRA ) : 609 ( e ) requires blocking fraudulent information after an identity theft report is provided. 
611 requires a reasonable reinvestigation of disputed items.

623 prohibits furnishing information known to be inaccurate. 

XXXX XXXX and the bureaus are in violation of these provisions by continuing to report and reinsert information tied to an address proven fraudulent. Investigation FCRA 1681s-2 ( b ) : XXXX XXXX failed to conduct a reasonable investigation. Instead of obtaining and reviewing actual account-level documentation, they relied solely on public records data, despite my proof that the address used was fraudulent. 
( I have attached all documents supporting these statements )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: NC

Complaint narrative:
This complaint is a continuation of my prior CFPB complaint regarding fraudulent XXXX XXXX accounts and related credit reporting issues. 

The fraudulent accounts in question were created using the address XXXX XXXX XXXX XXXX, XXXX, NC, which is not and has never been my residence. My correct addresses are XXXX XXXX XXXX XXXX and my previous residence XXXX XXXX XXXX XXXX 

I have already provided proof to XXXX XXXX, the credit bureaus, and through prior CFPB complaints that accounts tied to XXXX XXXX XXXX XXXX are fraudulent. Several creditors, including XXXXXXXX XXXX  and XXXX XXXX, have already deleted accounts tied to this fraudulent address. Credit bureaus have also removed other accounts and inquiries associated with this same fraudulent activity. 

Despite this evidence, XXXX XXXX continues to report an account linked to XXXX XXXX XXXX XXXX, causing harm to my credit, including denial of loans and loss of financial opportunities. 
Despite my dispute, XXXX XXXX verified the account solely by referencing public records that linked my name to this false address, instead of reviewing actual application data, signatures, or ownership records. This is an insufficient and unreasonable basis for verification under federal law. 

I have already provided documentation proving that the disputed address does not belong to me. The credit bureaus accepted this proof and removed the address from my file. Multiple other accounts tied to this same address were also deleted as fraudulent. 

Most importantly, XXXX has already confirmed that all XXXX XXXX, XXXX XXXX, and XXXX inquiries tied to this same false address were fraudulent and permanently deleted. If the underlying inquiries are fraudulent, then the accounts connected to them must also be fraudulent. It is impossible for the inquiry to be invalid but the account to remain valid. 
Under the Fair Credit Reporting Act ( FCRA ) : 609 ( e ) requires blocking fraudulent information after an identity theft report is provided. 
611 requires a reasonable reinvestigation of disputed items.

623 prohibits furnishing information known to be inaccurate. 

XXXX XXXX and the bureaus are in violation of these provisions by continuing to report and reinsert information tied to an address proven fraudulent. Investigation FCRA 1681s-2 ( b ) : XXXX XXXX failed to conduct a reasonable investigation. Instead of obtaining and reviewing actual account-level documentation, they relied solely on public records data, despite my proof that the address used was fraudulent. 
( I have attached all documents supporting these statements )

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 2025-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-08-26 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: MS

Complaint narrative:
I recently received a copy of my credit report and notice several accuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: 2288984 Ontario Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/year> XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX DE XXXX Subject : Request for Debt Validation Dear XXXX I am writing in response to your contact regarding an alleged debt. This letter is not a refusal to pay, but a notice that your claim is disputed. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that you provide validation of this debt.

Specifically, please provide the following : 1. The name and address of the original creditor.

2. The amount of the alleged debt, including an itemized accounting of all fees, interest, and payments. 
3. Documentation that you are authorized to collect this debt, including a copy of any assignment or transfer agreement.

4. A copy of the original signed contract or agreement bearing my signature, which makes me legally obligated for this debt. 
5. Verification that this debt is within the statute of limitations in my state. 

Until you provide proper validation of this debt, you must cease all collection activities, including reporting to credit bureaus, as required under federal law. 

Please note that I am requesting all communication be conducted in writing only. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX there was fraud on my son 's debit card that is on an account that I own. I submitted the claim for the fraud and the card was cancelled. I was informed that a new card would be sent. On XX/XX/year>, we still hadn't received the new card or s shipment notification so I called Wells Fargo Customer Service and was informed that I had to go to the branch to order the new card because he's a minor. On XX/XX/year>, I went to the Wells Fargo branch on XXXX XXXX XXXX XXXXXXXX, NJ and after sitting for 30 minutes waiting for help, the manager came over and informed me that there was no one available to help with my 10 minute issue and that I would have to come back another day. She was sitting at her desk not helping anyone for the 30 minutes I sat there so not sure why she couldn't help. She didn't offer to make an appointment for me to come back and or let me know a better time. This branch is poorly run and it has been for a long time but not to help a customer who was sitting there for 30 minutes and not offer a betetr solution is unacceptable customer service.

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 2025-08-26 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: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
On XX/XX/year>, the company XXXX XXXX sold me solar panels financed through GoodLeap. During the sales process, they assured me that the panels would reduce my electric bill and that I would not have double payments. 

The reality is very different : the panels do not work at all, my roof is being severely damaged by the installation, and now I am paying approximately {$700.00} per month between the loan and my regular electric bill. This is causing me serious financial and personal harm. 

I feel that I was a victim of misrepresentations and false promises when I signed this contract. I respectfully request that GoodLeap and XXXX be investigated and that I receive a fair resolution, since I am paying for a system that has never worked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: MI

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 2025-08-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 
1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$630.00} XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$410.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$330.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-08-26 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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