vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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: Affirm Holdings, Inc
State: NC

Complaint narrative:
I am a victim of a data breach withXX/XX/XXXX and have unknown accounts on the bureaus XX/XX/XXXX, XXXX XXXX, and XX/XX/XXXX, that I am not familiar with, including, but not limited to Affirm Inc., XXXX XXXX XXXX. I have submitted a FTC report and have filed complaints with the bureaus. I am asking that these are remove expeditiously as it has taken a toll on my report that I have these accounts that I dont even know what they are on there please complete a investigation and have these removed. 

I am responding to the companys statement regarding the Affirm accounts that are appearing on my XX/XX/XXXXcredit report. 

I maintain that these accounts were not opened by me and are the result of identity theft. I did not authorize, apply for, use, or benefit from any of the loans listed in Affirms response. The fact that payments were made does not prove I was the person who opened or was responsible for these accounts. Identity thieves often make initial payments to avoid detection before abandoning the accounts. 

Affirm has not provided any verification that I opened these accounts, such as : IP address logs matching my devices Device ID or device fingerprinting Delivery address or shipping address verification Verified billing address matching my own Phone number or email account used to create the account Confirmed identity verification steps ( drivers license upload, SMS verification logs, etc. ) Merchant purchase receipts showing my information Under the FCRA ( Fair Credit Reporting Act ) and XXXX Identity Theft Prevention provisions, I am requesting that Affirm provide documented proof that I personally opened these accounts. Without valid identity verification records, Affirm can not legally continue to report these accounts or negative payment history. 

I have already stated these accounts are fraudulent, and I am willing to complete the requested affidavit once Affirm provides the evidence it claims shows I opened the accounts, so that I can review and respond accordingly. 

At this time, I am demanding the following : XXXX. Cease reporting these accounts to all credit bureaus until identity verification is completed. 
XXXX. Provide all documentation Affirm is relying on to claim that I am responsible for these accounts. 
XXXX. If Affirm can not produce identity verification records, then the accounts must be deleted from my credit reports entirely under FCRA XXXX ( XXXX ) and XXXX. 

This is a formal continued dispute. 
I request that the CFPB keep this complaint open while Affirm provides the required substantiating documentation. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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 disputing the following items on my Equifax credit report. Please investigate the accuracy of the information provided below. 

Charged-Off Account : Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$44000.00} Late Payments : Account Name : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
I am filing this complaint against GoodLeap, LLC for predatory and deceptive lending practices related to the financing of solar panels that do not work as promised. The solar panels financed through GoodLeap were never fully functional, and the installation company failed to deliver a working system as represented in the sales and financing process.

Despite repeated attempts to have the solar system repaired or replaced, the system has remained inoperative. I notified GoodLeap that the equipment does not function and that the underlying product and service I was financed for were not delivered as contracted. GoodLeap, however, has continued to demand payment, report the account to credit bureaus, and damage my credit history for a product that does not work. 

GoodLeaps actions constitute unfair, deceptive, and abusive acts or practices ( UDAAP ) under the Consumer Financial Protection Act ( 12 U.S.C. 5531 ) because they are attempting to collect and report a debt for a nonfunctional product that was misrepresented at the time of sale. Additionally, continuing to report this loan as delinquent when the financed product has not been delivered as agreed is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know, or should know, is inaccurate. 

I have made multiple good-faith attempts to resolve this issue directly with GoodLeap and the solar installer, but neither party has repaired the system or canceled the loan. I am being held financially responsible for equipment that provides no benefit and was misrepresented at the time of sale.

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

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1000.00} XXXX # XXXX XX/XX/XXXX -- {$24000.00} XXXX # XXXX XX/XX/XXXX -- {$2000.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$6900.00} XXXXXXXX XXXX  # XXXX XX/XX/XXXX -- {$6300.00}

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

Complaint narrative:
I am filing this complaint because Experian continues to report inaccurate and unverified information on my credit report, despite my previous attempts to have these errors corrected. Experian has failed to properly reinvestigate as required under the Fair Credit Reporting Act ( FCRA ) 611 and continues to publish false information that is damaging to my credit profile. 

Experian is currently reporting XXXX wrong addresses, XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX, FL XXXX. These addresses do not belong to me and have never been associated with my personal or financial records. I have repeatedly requested their deletion, but they remain on my report. 

In addition, Experian is reporting several inaccurate accounts. The account XXXX XXXX XXXX * * * * * * * * * * opened on XX/XX/XXXX with a balance of {$160.00} is being reported as a charge-off, but I have no knowledge or connection to this account. The account XXXX XXXX * * * * * * * * * * * * opened on XX/XX/XXXX with a balance of {$0.00} shows a late payment that is entirely false, as I have never made a late payment on this account. The account XXXX XXXXXXXX * * * * * * * * * * * * opened on XX/XX/XXXX with a balance of {$94.00} is being reported as charged off, but I have never opened or authorized such an account. 

I am requesting that the CFPB require Experian to conduct a complete and lawful reinvestigation of all disputed items, delete the inaccurate addresses, remove any unverifiable or unauthorized accounts, and provide me with an updated copy of my corrected credit 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 explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: TX

Complaint narrative:
THIS HARD INQUIRY WAS NOT APPROVED OR VERIFIED BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: GA

Complaint narrative:
Collection was added to my account on XX/XX/year> and I have no idea who or where this is coming from but its not my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: WI

Complaint narrative:
On XX/XX/year>2025,XX/XX/XXXXpublicly confirmed a data breach that exposed consumer names, Social Security Numbers, and dates of birth. I was identified as an affected consumer and received notice of the breach. Because my SSN and other identifiers were compromised, I am disputing negative accounts that appear on my XX/XX/XXXX credit report. I do not authorizeXX/XX/XXXX or any furnisher to report or share inaccurate, unverifiable, or fraudulent information on my file. These accounts may be the result of misattribution or identity theft caused by the breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those 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 2025-11-11 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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

Complaint narrative:
Consumer : XXXX XXXX XXXX : XXXX XXXX : XX/XX/year> Subject : Identity Theft Block Request Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), This formal complaint is submitted to request, under the Fair Credit Reporting Act ( FCRA 605B 15 U.S.C. 1681c-2 ), that you block information on my consumer credit report that resulted from identity theft and fraud within four ( 4 ) business days of receiving this notice. 

The following information appearing on my TransUnion credit file is fraudulent, inaccurate, and unauthorized : XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX Balance {$620.00} XXXX XXXX XXXX XXXX XXXX Balance {$1700.00} I do not recognize or owe these accounts, collections, or any associated hard inquiries. They are the result of identity theft. 
Attached are supporting documents that verify my identity and identify the disputed items. Please complete your investigation and confirm the blocking and removal of all fraudulent data within the time frame provided by law. 
Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CA

Complaint narrative:
My spouse and I recently vacated our unit at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX, due to an unresolved and persistent cockroach infestation that rendered the unit uninhabitable. 

We provided proper advance written notice to management under California Civil Code 1942 and physically returned the keys on XX/XX/XXXX, which were accepted in person by on-site staff. As a gesture of good faith, we also submitted a prorated rent payment for the month of XXXX, covering the days we were still in the unit. However, management refused to accept this payment and returned the funds. Despite our efforts, we then received a debt collection notice dated XX/XX/XXXX, a full month after both our move-out and the court judgment, alleging that we owe rent and lease termination fees. 

This claim is both factually and legally incorrect. The XXXX XXXX XXXX XXXX XXXX entered judgment on XX/XX/XXXX, finding our landlord negligent under California XXXX XXXX XXXX, which requires landlords to maintain habitable living conditions. Based on that ruling, we were lawfully entitled to vacate the unit without penalty, and no additional charges should have been assessed.

We believe this debt collection action is invalid and constitutes a bad-faith attempt to collect an unlawful debt, in violation of California Civil Code 1950.5 and the Fair Debt Collection Practices Act ( FDCPA ).

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

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 2025-11-11 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
Cash App allowed XXXX unauthorized charges totaling {$2500.00} while I was undergoing XXXX and medically incapacitated. On XX/XX/scrub>, 2025, they refunded {$170.00} and marked XXXX disputes as completed in their system. I have screenshots and a verified email confirming this. Now they claim no disputes were filed and no refund was issueddespite their own records. 

After prompting me to verify my account, Cash App closed it XX/XX/XXXXlater. They now refuse to investigate unless I appeal the account closure, which was triggered by my attempt to dispute. This creates a circular denial loop designed to block resolution. 

Their responses to different agencies are contradictory : To the Missouri Attorney General, they accused me of misleading account closure tactics. 
To the CFPB, they offered to work this out and find resolution. 


I submitted medical documentation, screenshots, and a clear timeline. Their shifting narrative, denial of documented refunds, and retaliatory closure tactics reflect systemic obstruction. Vulnerable consumers deserve protection from this kind of corporate gaslighting. 

I am requesting that the CFPB reopen this case, investigate Cash Apps dispute handling practices, and hold them accountable for misleading communications and retaliatory behavior.

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

Complaint narrative:
Consumer : XXXX XXXX XXXX : XXXX XXXX : XX/XX/year> Subject : Identity Theft Block Request Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), This formal complaint is submitted to request, under the Fair Credit Reporting Act ( FCRA 605B 15 U.S.C. 1681c-2 ), that you block information on my consumer credit report that resulted from identity theft and fraud within XXXX ( XXXX ) business days of receiving this notice. 

The following information appearing on my Equifax credit file is fraudulent, inaccurate, and unauthorized : XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX Balance {$620.00} GET IT NOW XXXX XXXX Balance {$1700.00} I do not recognize or owe these accounts, collections, or any associated hard inquiries. They are the result of identity theft. 
Attached are supporting documents that verify my identity and identify the disputed items. Please complete your investigation and confirm the blocking and removal of all fraudulent data within the time frame provided by law. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief