vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 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 XXXX 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 XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$880.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$170.00} XXXX - Account Number : XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$180.00} XXXX- Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$63.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$180.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 XXXX 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 2025-09-02 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: GA

Complaint narrative:
I just checked my Transunion report and was shocked to find fraudulent accounts, addresses, and inquiries on my report. The addresses XXXX XXXX XXXX XXXX XXXX GA XXXX and XXXX XXXX XXXX XXXX IL XXXX are fraudulent addresses. I have attached a copy of my FTC Identity Theft Report, Drivers License, Social Security Card, and Utility Bill to this complaint.

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 2025-09-02 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: NC

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. A fraudulent account is appearing on my TransUnion credit report, even though I have already filed an FTC Identity Theft Report and disputed it directly with TransUnion. 

Fraudulent Account Details : Creditor/Collector : XXXX & XXXX Original Creditor : XXXX  Date Opened : XX/XX/year> Balance : {$160.00} FTC Identity Theft Report Number : XXXX E-OSCAR Code XXXX : Consumer claims true identity fraud FTC report provided I have never applied for, signed, authorized, or received any services or funds related to this account. Despite my dispute, TransUnion has failed to remove this fraudulent tradeline, which violates the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) requiring the blocking of identity theft-related information.

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 2025-09-02 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 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 XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. A couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any 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 2025-09-02 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX 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 : INQUIRIES : XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX 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, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX  XXXX  XXXX Account Number : XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00} XXXX XXXX XXXX- Account XXXX : XXXXXXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$110.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$250.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately XXXX XXXX XXXX identifier XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries are not authorized. Please remove it from my credit report immediately 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 2025-09-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
Complainant : ( ready to give upon request ) Address : ( ready to give upon request ) Phone/Email : ( ready to give upon request ) Company : Mosaic, Inc. ( Solar Mosaic, LLC ) XXXX Number : ( ready to give upon request ) ________________________________________ Issue Summary I am submitting this complaint against Mosaic, Inc. regarding a XXXX loan agreement that is currently the subject of dispute. Mosaic filed for XXXX XXXX  bankruptcy protection on XX/XX/2025 ( XXXX XXXX. XXXX, XXXX XXXX XXXX Texas XXXX XXXX 
The loan is associated with a residential solar installation that was either incomplete, not operational, or misrepresented by the installer. Despite this, Mosaic has attempted to enforce the loan agreement. 
________________________________________ Details of the Problem XXXX. Incomplete/Defective Installation The system has not been properly delivered and/or is not functioning as contracted. 
XXXX. FTC Holder Rule ( 16 C.F.R. 433 ) I am entitled to assert against Mosaic any claims and defenses that I would have against the seller/installer. Because the underlying product/service has failed, Mosaic can not enforce the loan. 
XXXX. Negative Credit Reporting / Collection Threats Mosaic or its agents have threatened to continue reporting this disputed loan despite the bankruptcy stay. 
XXXX. Bankruptcy Case I have filed a Proof of Claim in Mosaics XXXX XXXXXXXX case, demanding cancellation of the loan and refund of payments. However, I am requesting CFPB oversight because Mosaic continues to mishandle consumer accounts during its bankruptcy. 
________________________________________ Relief Requested Cancellation of the disputed loan agreement ( rescission ).

Correction/removal of any negative or inaccurate credit reporting.

Regulatory review of Mosaics practices to ensure consumer protections are upheld during its bankruptcy. 
________________________________________ Supporting Documents I am prepared to provide : Loan agreement Payment records Correspondence with Mosaic and/or installer ________________________________________ Declaration : I declare under penalty of perjury that the above information is true and accurate to the best of my knowledge. 

Date : XX/XX/2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Recovery Management Solutions LLC
State: CA

Complaint narrative:
I am getting autodialer calls from the same debt collection agency from different numbers all over the country. The autodialer calls does not identify in the voicemail left as a debt collection agency and also does not provide their license number in the communication. I live in California and I receive the same message over and over and over. They are a predatory debt collection agency and I want to seek recourse regarding their actions as I mainly get calls from them and it disrupts my sanity. 

I got a letter in the mail from them giving the same number and the company is called Recovery Management Solutions and they say on the letter they are seeking collection on a XXXX XXXX XXXX XXXX debt. Here is the same message left on every voicemail and a list of the dates I have in my received autodialer calls which I do not want these calls from an autodialer. 


" Hi, I'm sorry I missed you. I really need to talk to you. Please return my call. I can be reached at XXXX. Talk to you soon thanks... '' XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. 
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 
I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 
The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX - XX/XX/year> - the inquiry was not authorized. 
XXXX - XX/XX/year> - the inquiry was not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Dennis Dillon Auto Park and Truck Center, Inc.,
State: ID

Complaint narrative:
Summary On XX/XX/XXXX, I purchased a XXXX XXXX XXXX from Dennis Dillon XXXX on XXXX XXXX XXXX XXXX. This was the first car for my son, and I wanted to give him the opportunity to be on the loan to start building his credit. The purchase price of the vehicle was {$11000.00} before tax and dealer handling fee and I put {$3000.00} down payment. Our payments were supposed to be $ XXXX. Something reasonable that he could afford on his small income. The dealership was arranging financing through our credit union, XXXX. During the meeting with the finance manager XXXX XXXX, I specifically instructed him that I did not care for any add-ons to the purchase price of the vehicle as it was a 10 year old used car. We signed documents but did not receive copies of these documents upon leaving the dealership. 
After waiting almost a month, I finally had the loan show up in my online app. Through XXXX. I noticed that the loan amount was significantly higher than it should be and the payment was approximately {$40.00} more per month. I called XXXX and requested the sales/loan documents from them. They sent them to me. I have included them as an attachment to this letter. I was shocked to find out that I was charged {$780.00} for an anti-theft system from XXXX. I was also paid {$1300.00} for a XXXX blinking break light. This was unbeknownst to me, and my signature does not even look like mine on the documents provided. This resulted in fees close to 20 % of the purchase price of the vehicle. In my opinion, this is the definition of junk fees and is criminal. I have attempted to call them for the past week and have not received a call back. When I called today, I was told I needed to call the corporate office, but they transferred me to their XXXX dealership. When I called back they hung up on me.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-02 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 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 XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any 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 2025-09-02 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 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 XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Company name IC Systems has reported {$110.00} on my credit report.This was identity theft.

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