vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-14 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 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 2025-08-14 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: LA

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 2025-08-14 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: GA

Complaint narrative:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 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 2025-08-14 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:
In 2022, I entered into a solar panel agreement with XXXX XXXX, financed through GoodLeap. The XXXX sales representative promised in writing and verbally that I would receive a {$17000.00} government incentive, which would be applied directly to reduce my loan balance. This incentive was a key factor in my decision to proceed, as it was supposed to significantly lower my total cost. 

After installation, I discovered that the {$17000.00} incentive was never applied to my loan as promised. When I filed my taxes, I learned there was no such guaranteed payout, and instead of my monthly payment decreasing as discussed ( around {$120.00} ), my payment increased to approximately {$210.00}. 

XXXX also promised a full guarantee for the solar equipment and my roof, but the company has since disappeared, leaving me unable to claim or use the warranty. My solar panels are now not working at all, and I have no way to get repairs or warranty service. 

I am now left with a nearly {$60000.00} debt for a solar system obtained under false promises, with no functioning system and no warranty support for the equipment or my roof. I believe I was misled by deceptive sales practices and that XXXX failed to honor the terms presented at the time of sale. I am requesting that the CFPB investigate XXXX and the financing arrangements for misleading advertising, failure to disclose accurate financing terms, and refusal to fulfill warranty obligations. 


Name of the company XXXX XXXX XXXX XXXX XXXX XXXX ) Licensed Solar Contractor FL : XXXX. Solar Consultant : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Subject : Complaint Against XXXXXXXX XXXX XXXXXXXX Refusal to Provide Payment Receipt To : Consumer Financial Protection Bureau ( CFPB ) Details of Complaint : On XXXX XXXX XXXX I made a settlement payment in the amount of {$920.00} via debit card to XXXX XXXX  XXXX. Immediately after the payment was processed, I requested a payment receipt. 

XXXXXXXX XXXX XXXX refused to provide a receipt, responding in an aggressive manner and stating, It doesnt work like that and that I would have to wait 14 days before receiving a receipt. 

Under consumer protection laws, I understand that I am entitled to receive confirmation or a receipt for a payment immediately after it is made. XXXXXXXX XXXX XXXXXXXX refusal to provide this documentation at the time of payment is both unreasonable and contrary to fair business practices. 

Harm Caused : I have no immediate proof of my payment, leaving me vulnerable to disputes or denials that the payment was made. 
The aggressive tone used in response to my reasonable request caused unnecessary stress and concern. 

Requested Resolution : Immediate issuance of my payment receipt. 
Confirmation that XXXX XXXX XXXXXXXX will change their practices to ensure consumers receive prompt payment confirmations. 
Review of whether this conduct violates CFPB rules or applicable consumer protection laws. 

Supporting Information : Date of payment : XXXX  Payment method : Debit card Payment amount : {$920.00} Creditor/Collector : XXXX XXXX  XXXX I am submitting this complaint to request the CFPBs assistance in ensuring compliance with consumer protection requirements and to prevent other consumers from experiencing similar treatment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-14 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: OR

Complaint narrative:
This reported late payment is an anomaly and does not represent my true payment record. I respectfully ask for its removal after verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
That the account be removed from my credit report with all three major credit reports ( XXXX XXXX XXXX XXXX ) as a goodwill gesture.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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:
I believe this late payment was reported in error and is not in line with my payment record. I ask that you correct this by removing it from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCM Finance LLC
State: TX

Complaint narrative:
On XXXX XXXX XXXX I mailed a written dispute to CCM Finance regarding an account being reported under my name that I believe is inaccurate. I provided identifying information and requested verification under the Fair Credit Reporting Act ( FCRA ). I have proof of delivery via certified mail ( tracking number : XXXX When no response was received within the required 30-day timeframe, I sent a second dispute letter on XXXX XXXX XXXX again providing proof of mailing and delivery. To date, CCM Finance has failed to acknowledge or respond to either dispute.

This lack of response violates my rights under the FCRA, specifically the requirement for a creditor to investigate and respond to disputes. The continued reporting of this unverified account is causing damage to my credit score and financial standing.

I am requesting that the CFPB take action to ensure CCM Finance : 1. Completes a proper investigation into my disputes.

2. Removes any unverified or inaccurate information from my credit reports.

3. Provides me with written verification of the account or confirmation of deletion.

I have attached : Copies of my two dispute letters. 
Proof of delivery for each letter. 
My most recent credit report showing the disputed account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: GA

Complaint narrative:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 explanation
Consumer complaint received 2025-08-14 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: CA

Complaint narrative:
In accordance with 15 U.S.C. 1681e ( b ), you are required by federal law to maintain procedures ensuring maximum possible accuracy in the preparation and reporting of consumer credit information. Upon reviewing my credit reports, I have identified inaccuracies pertaining to the collections accounts : Personal Loan account opened at XXXX XXXX XXXXXX/XX/XXXX account number XXXXXXXX XXXX XXXX account is shown in collection on TransUnion only Personal Loan account opened at XXXX XXXX XXXXXX/XX/XXXX account number XXXXXXXX XXXX XXXX account is showing late payment history on TransUnion only Personal Loan account opened at XXXX XXXX XXXXXX/XX/XXXX account number XXXXXXXX XXXX XXXX  account is showing late payment history on TransUnion only collection account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX account shown on collection TransUnion and XXXX only collection account opened at XXXXXXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account is shown on collection TransUnion only collection account opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX  account is shown on collection XXXX only also showing late payment history XXXX  only collection account opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX account is shown on collection XXXX only also showing late payment history XXXX only collection account opened at XXXX on XX/XX/XXXX account number XXXX XXXX XXXX account is shown on collection TransUnion and XXXX only collection account opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account is showing late payment history on XXXX only collection account opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXX * * account is shown in collection XXXX only also showing late payment history on XXXX only collection account opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX account is shown in collection XXXX only also showing late payment history on XXXX  only which is being inconsistently reported among the national 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 explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Mercury Financial Intermediate LLC
State: FL

Complaint narrative:
I disputed a collection account reported by XXXX XXXX to XXXX. The account was reported under a misspelled name and I never received proper validation of the debt. XXXX  marked the account as verified, but I was not provided with supporting documents. This error is harming my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing inaccurate and unverifiable information being reported by Equifax/ regarding my XXXX XXXX account XXXX XXXX XXXX XXXX XXXX 

This account was opened on XX/XX/XXXX and closed on XX/XX/XXXX, with a {$0.00} balance and paid as agreed. Despite this, the credit bureaus continue to report late payments allegedly occurring after the account closure date, including in XXXX, XXXX, and XXXX. 

It is factually impossible to have any legitimate delinquencies after the account was closed with a XXXX balance. Additionally, the dates and payment history reported are inconsistent between the three major credit bureaus, violating the maximum possible accuracy standard required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ).

I sent a written dispute directly to the bureaus pursuant to 15 U.S.C. 1681i. I requested an investigation and the removal of the inaccurate late payments. If the bureaus can not verify the information with proper documentation, they must delete the account or correct it immediately. 

Failure to correct this reporting violates : FCRA 1681e ( b ) Duty to assure maximum possible accuracy.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) Duty of furnishers not to report information known to be inaccurate.

FCRA 1681i ( a ) ( 1 ) ( A ) Duty to conduct a reasonable reinvestigation within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: TX

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  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$0.00} 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 2025-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/year>, I initiated an international wire transfer of {$100.00} from my CitiBank checking account. The transfer was personal and going to an individual account at the XXXX XXXX XXXXXXXX. The initial transfer request was successful and I received receipts of the pending transfer and the transaction details ( {$130.00} total after fees, estimated date of XX/XX/XXXX or sooner for the funds to be available to the recipient ) A few hours later i logged into my Citibank mobile app to check the status but my checking account details was no longer showing and instead just displays a big red alert that says BLOCKED. I clicked around the app and was eventually able to see my wire transfer had been canceled by a Citibank representative and advised to contact Citibank at XXXX ( XXXX ) XXXX for details and assistance. 

The first man I spoke with asked for my secret password to verify me and I provided him the answer. Then he said they needed to verify further but stated that my phone number cant be used to verified my identity and stated that there is an emergency contact number listed and he could send the XXXX there. It was my mothers number and I never added that to my account but I agreed to get the code and he was able to verify my identity. He then told me he would transfer me to the fraud department for further information about why my account has been blocked. 

When he transferred me, the new agent asked for my cellphone number to verify my identity again so I gave him my number. He then stated that my phone number isnt able to be used for verification and he can not provide any further assistance or information. He said I will receive a letter in the mail with instructions on what to do next. I told him the man that transferred me to him had just verified me prior to connecting us and he said he works for the fraud department and they have different policies for this process and that my account is blocked and the funds are being held and that once I receive the letter in the mail, I can continue with the process. I asked about access to my funds and he stated he can not help me any further or provide any details.

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 monetary relief