vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Sequium Asset Solutions, LLC
State: AZ

Complaint narrative:
Company is trying to collect a debt of 1006. I have never signed a contract with the company therefore this needs to be removed from my credit immediately. 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. 
Convergent Account SEQUIUM ASSET SOLUTIONS XXXX has violated my rights.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: MI

Complaint narrative:
I filed a dispute for inaccurate hard inquiries with Experian the results came back the same day. Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable hard inquiries unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed hard inquiries, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-07-12 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: DE

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

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 2025-07-12 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: PA

Complaint narrative:
I am filing this complaint regarding three collection accounts currently being reported on my credit reports by : 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 On XX/XX/year>, I sent a formal dispute letter under Section 609 of the Fair Credit Reporting Act ( FCRA ) to the credit bureaus, requesting full verification of these debts, including : A signed contract or agreement Itemized billing statements Proof of assignment or chain of custody Verification that the information was confirmed before reporting To date, none of the collectors nor the credit bureaus have provided any of this documentation. Despite this, the accounts remain on my credit reports and are still being reported as accurate and verified.

These accounts are negatively impacting my credit score, contributing to recent credit denials, and causing ongoing emotional and financial stress. I have an extended fraud alert on file, and these agencies also failed to comply with FCRA 605A, which requires them to take extra steps to verify my identity before reporting new or disputed derogatory information.

ACTION! 
I am requesting the immediate deletion of these three collection accounts from all credit reporting agencies ( TransUnion, Equifax, and Experian ) due to : Failure to respond to my XX/XX/year> dispute Failure to verify the debt under FCRA 609 and 611 Ongoing inaccurate reporting that violates federal law I have attached my original 609 letter, ID, and credit report excerpts to support this complaint. 

Thank you.

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 2025-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Re : Letter to Remove Inaccurate Credit Information Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here are the items I am asking you to verify as accurate : 1.Aldous and Associates XX/XX/XXXX After your investigation is complete, please send me the results via mail. 

Thank you in advance, Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: TX

Complaint narrative:
I am contacting you to formally dispute a hard inquiry that appears on my credit report which I did not initiate or authorize. I have no prior or existing business relationship with the company responsible for this inquiry, nor did I grant consent for them to access my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: KS

Complaint narrative:
On XXXX XXXX  I sent what wasni thought my sons chime. He has.the same.name as the guy, only was it XXXX & mysons is XXXX. I did it accidently before & he sent the money right back. Because.it is a peer to peer transfer i have ro request itblack from the other party. I requested the money back as soon as I realized its the wrong one & that was 3 days ago. Today is mu XXXX XXXX & i can't get gim anything. The peer to peer transfer should have at least a 30 minute time to rescind tiur payment & also have 2 or 3 pages you have to agree to before sending money. Some people are elderly & make.msitakes like i did so they.are.able ro even get their money back before its completed. I do not like that when you call to talk about it, that it was instant & they barely.do.sisputes & blame it on the consumers. I am gon na be homeless in just over 2 weeks & I am on XXXX  & have XXXX. They guy i sent {$1300.00} also told us if we sent him {$300.00} to a different chime, I would get my money.XXXX  He said chime had an {$300.00} refund fee for businessnaccountsn & XXXX  it &, sent it to him, for gim XXXX me again. He is ripping a lot of renters.off who.cant afford it. CHIME NEEDS.TO HAVE ITS PEER TO PEER PAYMENTS CHANGED TO ALLOW TIME TO.CANCEL IT BEFORE THEY.LOSE THEOR MONEY.FOREVER!! I'm looking for a.new.online banking app.that.is.nicer.to.disabled or elderly people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am in disagreement with the accounts listed below which still appears on my credit report, even after your investigation. I would like this re-investigated. The inaccuracies are highly injurious to my credit score. 

EXPERIAN : 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 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 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 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 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 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 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 In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: TX

Complaint narrative:
I am requesting your assistance in initiating an investigation into these accounts, as they are being reported inaccurately on my credit report. Under USC 1681g, I am formally requesting that they be removed within 15 days. I have attached all supporting documents for your thorough review. Furthermore, the details reported for these accounts are inconsistent and incorrect across the credit bureaus

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 2025-07-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Credit Acceptance, LLC
State: IN

Complaint narrative:
XXXX XXXX XXXXXXXX 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  Subject : Formal Dispute of Inaccurate Repossession FCRA Violation Notification Dear AMER CR ACPT Compliance Department, I am formally disputing the repossession account being reported to the credit bureaus under my name. This account is being reported inaccurately and in violation of multiple provisions under the Fair Credit Reporting Act ( FCRA ).

Violations Identified : FCRA 602 ( 15 U.S.C. 1681 ) Lack of Fairness and Accuracy The reporting of this account as a repossession while also reflecting charge-off and collections, despite notes of redeemed, is misleading, incomplete, and contradictory. This violates the FCRAs foundational requirement for maximum possible accuracy in consumer reporting.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Failure to Maintain Accuracy You are legally required to ensure all information you furnish to credit bureaus is accurate and not misleading. Reporting both repossession and redeemed without clarifying resolution misrepresents the true status of the account and causes significant harm to my credit standing.

FCRA 611 ( 15 U.S.C. 1681i ) Duty to Reinvestigate This is my formal demand for reinvestigation of this account. You are now on notice and must complete a thorough reinvestigation within 30 days. Failure to do so is a direct violation of federal law.

Legal Notice : If you are unable to fully verify the accuracy and completeness of every detail reportedincluding dates, payment history, charge-off status, and repossession statusyou are obligated under federal law to DELETE this account from all consumer reporting agencies. Continued reporting without verification will be viewed as willful noncompliance under FCRA 616 ( 15 U.S.C. 1681n ), subjecting your company to monetary damages, attorney fees, and potential legal action.

Action Requested : IMMEDIATELY delete the inaccurate and derogatory account from all credit bureaus ( XXXX XXXX XXXX ). 


Cease all further reporting of this account unless you can provide documented proof of full legal compliance with FCRA requirements. 


Send me written confirmation of the deletion within 30 days. 


Failure to comply will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), and the Federal Trade Commission ( FTC ). 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
I submitted an application for a XXXX XXXX through CashNetUSA and have received multiple denial messages containing conflicting and inaccurate information. XXXX email said I was ineligible due to a previous application or loan. Another stated that my identity could not be verified. A third claimed I had already submitted an application. These responses contradict each other and do not reflect my actual experience. 

I have not received a loan through CashNetUSA, not applied multiple times, and not communicated with any representativeyet their emails suggest otherwise. I have contacted their support team multiple times by email and phone seeking clarification. My emails have gone unanswered, and phone representatives simply repeated vague or scripted responses without offering resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Sunlight Financial LLC
State: NC

Complaint narrative:
Dear CFPB, I am submitting a complaint against Sunlight Financial ( Customer Number : XXXX ) and XXXX XXXX  for violations of the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and other laws in financing an incomplete solar installation at my Florida property ( XXXX XXXX XXXX, XXXX XXXX, FL XXXX ). 

XXXX XXXX claimed my roof needed repairs and rolled these costs into the loan without providing a cost breakdown or documentation. I never received contract documents, loan details, or a breakout of costs necessary for solar tax credits. Despite repeated attempts over years to contact both companies, I received no response. I enrolled in autopay ( XXXX XXXX XXXX ) but stopped it via my bank upon realizing the installation was incomplete and undocumented. Sunlight Financial disbursed funds to XXXX XXXX without my approval or verification of completion, leading to the loan defaulting and damaging my credit.

This appears to be part of a pattern of deceptive practices. Your office has taken action against similar solar companies, such as XXXX XXXX and XXXX XXXX XXXX in XXXX, for misleading consumers, and has noted a 700 % increase in solar complaints since XXXX. XXXX XXXX settled a {$30.00} XXXX TCPA class action in XXXX for deceptive telemarketing, and Sunlight Financial was sued by the Minnesota AG in XXXX for deceptive solar lending practices, including hidden fees and misleading terms. 

Sunlight has faced CFPB complaints ( e.g., # XXXX ) and a XXXX Minnesota AG lawsuit for deceptive solar lending. XXXX  settled a {$30.00} XXXX TCPA case in XXXX. Sunlight 's XXXX bankruptcy adds complexity.

I request investigation, loan relief, and credit correction.

Thank you. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
please ask Equifax Transunion and Experian to verify the information please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to formally dispute the fraudulent auto loan account reported on my credit file by XXXX XXXXXXXX XXXX. This account, listed with a reported balance of {$18000.00} and noted as closed on XX/XX/XXXX, is not mine. As documented in my official Identity Theft Report ( FTC Report # XXXX ), I am a victim of identity theft. This fraudulent account originated in XX/XX/XXXX and was discovered in XX/XX/XXXX. 
Despite submitting documentation and alerting XXXX XXXX XXXX, they have failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), and they continue to inaccurately report this account as valid. This constitutes a violation of my rights under : - FCRA 605B ( 15 U.S.C. 1681c-2 ) : Identity Theft Block - 15 U.S. Code 6802 : Protection of Nonpublic Personal Information - 15 U.S. Code 1681s-2 ( a ) ( 6 ) : Duty to report accurate information - Uniform Commercial Code ( UCC ) 3-501 : Demand for proof of obligation - Cease and Desist under 15 U.S. Code 1692c ( c ) : Communication restrictions In accordance with FCRA 605B, I request the immediate blocking and permanent removal of this account from my credit file. You are required by law to block such information within four business days of receiving proper documentation. Included with this letter are : - A copy of my government-issued ID - Proof of address - The official FTC Identity Theft Report - A copy of the fraudulent account entry as it appears on my credit report I am demanding that all three bureaus - Equifax, TransUnion, and Experian - cease reporting this fraudulent account immediately. Failure to comply may result in legal action and complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Please send me written confirmation that this account has been removed from my file. If you need further information, do not hesitate to contact me.

Sincerely, XXXX XXXX XXXX Without Prejudice

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: One Source Technology
State: FL

Complaint narrative:
Asurint bought and sold, also traded my information for monetary gain without my consent, which in fact is the definition of identity theft. Also reported that I have a XXXX, which is XXXX XXXX XXXX XXXX Reporting false information is fraud. I DEMAND ASURINT DELETE ALL MY PERSONAL INFO IMMEDIATELY AND SEND A COPY OF ALL MY INFO DELETED. 

ALSO I DO NOT CONSENT ASURINT TO COLLECT ANY OF MY PERSONAL INFORMATION MOVING FORWARD. ANY INFO COLLECTED FROM THIS DATE IS CONSIDERED IDENTITY THEFT. 

DO NOT CONTACT ME THIS STATEMENT IS CLEAR. DELETE ALL INFO, DONT COLLECT ANY OF MY INFO MOVING FORWARD. DO NOT CALL ME AND ASK FOR CONSENT TO PULL MY RECORDS. 
DAMAGES WILL BE SEEKED IF IM CONTACTED AGAIN FOR CONSENT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX requested I file a complaint on behalf of myself. I have disputed with XXXX and the other credit bureaus but they continue to just say verified as accurate without the debt collection process starting with them sending me proof they even sent me a letter asking me to validate the debt before they even reported it on my credit profile with XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I disputed a collection account from Portfolio Recovery Associates on my XXXX  credit report. Before disputing, I mailed a debt validation request to Portfolio Recovery Associates, which was delivered, but they never responded. 
On XX/XX/year>, I formally disputed the account with XXXX, and they marked the account as verified on XX/XX/year>, without providing any documentation to support the claim. 
I then sent a final notice letter to XXXX, which was delivered on XX/XX/year>, but XXXX  responded again on XXXX XXXX that the item remains because the furnisher certified the information. 
At no point have I received proof that the debt is valid. I believe this is a violation of my rights under the Fair Credit Reporting Act, which requires XXXX  to conduct a reasonable investigation.

Company response to consumer: Closed with explanation