vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a credit card opened at XXXX XXXX  on XX/XX/year> under the account number XXXX. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: DC

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX  effects of these inaccuracies have been XXXX, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my XXXX XXXX. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-06-17 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: FL

Complaint narrative:
I reviewed my credit report and found incorrect personal information, including my name and/or address. My legal name is XXXX XXXX XXXX XXXX and my correct address is XXXX XXXX XXXX XXXXXXXX, FL XXXX. These errors can lead to misidentification and affect my credit profile. 

I submitted dispute letters with supporting documents to each bureau, requesting correction under the FCRA. Please assist me in ensuring these corrections are processed accurately and promptly.

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 2025-06-17 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 hope this complait finds you well. I am writing to follow up on the previous complaints I submitted concerning specific items on my credit report. 
To date, I have not received any response or update regarding the resolution of the disputes I submitted to the credit bureaus. While I understand that these investigations can take time, I would appreciate an update on the current status and any progress that has been made toward resolving the matters outlined in my earlier correspondence. 
Below is a list of the items I am requesting to be removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: Torres Credit Services, Inc.
State: IN

Complaint narrative:
all of the companies im about to name with date allowed accounts to be entered withouth my knowledge and sold info to debt collectors to further the damage which is illegal pursuant to 18 usc 8, i owe no debt. this company is violating my consumer right to privacy pursuant to 15 usc 1681b. they also have no permission to report anything using my info pursuant to usc 1681 this is a list of companies and dateXXXX XXXX XXXX  which was closed on XXXX, XXXX XXXX XXXX has two seperate accounts closed on XX/XX/XXXX, XXXX closed on XX/XX/XXXX and XXXX XXXXlosed on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX which was opened XX/XX/XXXX and torres credit services opened XX/XX/XXXX XXXX these companies illegally and fraudulently used my info.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: TN

Complaint narrative:
I am writing to make a formal statement that I am the victim of identity theft. Accounts have been fraudulently opened and/or accessed using my personal information without my knowledge, authorization, or consent. I have never initiated nor approved any of the accounts or activity in question, and I demand that these fraudulent entries be investigated and permanently removed from my credit reports. I have taken the appropriate legal and federal steps to report this crime : I have filed an official Identity Theft Report with the Federal Trade Commission ( FTC Report XXXX XXXX XXXX XXXXXXXX ] ) that includes fraudulent accounts, and more information. 
I have filed a Police Report with my local law enforcement agency ( Police Report XXXX XXXX XXXX XXXXXXXX ] ). 
In addition, I have submitted written disputes to Experian, Equifax, and TransUnion, requesting a method of verification on the fraudulent accounts. Despite my efforts, none of the bureaus have provided a valid or sufficient response in accordance with the Fair Credit Reporting Act ( FCRA ). 
Further, under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), once identity theft is documented with a police report and an FTC affidavit , the credit reporting agencies are required by law to delete the fraudulent information from appearing in my file within four business days. This law exists to protect victims from continued harmand my rights under this statute have been ignored. This has caused serious damage to my credit profile, emotional distress, and interference with my financial stability. I demand that all accounts and inquiries resulting from this identity theft be permanently removed, and that all furnishers reporting these items cease immediately.

If the information is not or removed promptly, I am prepared to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the State Attorney General, and pursue legal remedies as permitted under federal and state law.

Please confirm in writing that the disputed items have been removed and provide me with updated copies of my credit reports. I am enclosing/attaching the following documents as evidence : FTC Identity Theft Report Police Report Government-issued ID & social security card Proof of residency ( XXXX XXXX XXXX  XXXX XXXX XXXX ) Accounts listed below are a direct result from identity theft and should be lawfully, and rightfully removed from my credit report within four business days. 
XXXX XXXX Account Number : XXXX XXXX Main Account Number : XXXX XXXX Bank Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-06-17 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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 did not authorize or initiate the inquiry that currently appears on my report. This was done without my knowledge and constitutes an error that needs to be resolved by deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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 XX/XX/year>, I entered into a solar loan agreement ( Loan XXXX XXXXXXXX ) with XXXX for {$43000.00} to finance a solar system installed by XXXX XXXX. The system was marketed with several misleading promises, and I have suffered ongoing XXXX XXXX as a result : Misrepresentation of XXXX XXXX : I was promised that my monthly electric bill would drop from {$190.00} to {$6.00}. Despite the system generating over XXXX MWh of energy, my electric bill has remained high, providing no significant savings. 

False Claims About the Tax Credit : I was told I would receive a 26 % federal tax credit as a cash refund, which I could use to make an early loan payment. This was false. The tax credit is non-refundable, and due to my tax situation, I was unable to benefit from it. As a result, I could not make the early prepayment, and my loan payments increased. 

Lack of XXXX XXXX : XXXX XXXX, the installer, has filed for Chapter XXXX bankruptcy, leaving me without system support, warranty service, or any form of recourse. 

Partial Delivery of Promised Solar Credits : I was promised XXXX months of solar offset credits as an initial incentive. I received only XXXX. In an email dated XX/XX/year>, a company representative confirmed the XXXX check was pending, but it was never issued. 

Lack of XXXX on XXXX : I was never informed that I needed to contact my utility provider to activate solar billing ( net metering ). I discovered this nearly a year later, meaning I lost out on a year of potential savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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 am writing to formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent accounts that do not belong to me and continue to report unverifiable information. This conduct is in direct violation of federal law and my consumer rights. 
The accounts listed below were opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA. 
Under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance. 
Moreover, XXXX XXXX. XXXX ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a XXXX  disregard of these obligations. 
You are hereby given XXXX  days from the date of this letter to provide the following : XXXX. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic responses ; XXXX. A comprehensive outline of the investigation performed, detailing each step taken ; XXXX. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; XXXX. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to XXXX XXXX. XXXX ( a ) ( XXXX ). 
If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX XXXX Attorney General. I will also proceed with litigation under XXXX XXXX. XXXX for willful noncompliance, which allows for the recovery of statutory damages, punitive XXXX, attorney fees, and costs. 
The following accounts are fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove these accounts immediately, and provide supporting verification if you continue to report them : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: UT

Complaint narrative:
These accounts are being reported under my name without my knowledge, consent, or authorization. I have never opened, managed, or approved these accounts in any capacity. Their inclusion on my credit report is entirely unacceptable and constitutes the reporting of false, misleading, and materially damaging information about my financial history. 
I take the accuracy and integrity of my credit profile seriously. The presence of these unauthorized accounts is not only alarming it is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am demanding an immediate and thorough investigation into how these accounts came to be reported in my name, and who is responsible for submitting this inaccurate data.

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 2025-06-17 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: FL

Complaint narrative:
Subject : Dispute of Charge-Off Due to Debt Cancellation via IRS Form XXXX Request for Immediate Deletion To Whom It XXXX Concern, I am writing to formally dispute the reporting of a charged-off account on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX et seq. 

Disputed Accounts : * Creditor Name : [ XXXX XXXX ] * Account Number [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported Status : Charge-Off * Date of Last XXXX ISSUE : This debt has been canceled by the creditor, as indicated by the issuance of an IRS Form XXXX ( XXXX of Debt ). This form acknowledges that the lender has XXXX the debt and reported it to the IRS as income. The issuance of a XXXX legally ends the debt obligation, and as such, the account should not continue to be reported as a valid, collectible debt or as a charge-off. 
RELEVANT LAW : Under FCRA XXXX ( a ) ( XXXX ) and XXXX ( a ) ( XXXX ) ( A ), consumer reporting agencies and furnishers of information are prohibited from reporting inaccurate or misleading information. Reporting a debt as a charge-off after it has been canceled and forgiven is misleading and not in compliance with federal law. 
Additionally, continued reporting of this charged-off debt XXXX constitute : * A violation of the FCRA XXXX ( b ) for failing to maintain accuracy and completeness. 
* A potential tax and legal contradiction, as the debt can not be both canceled ( and taxed as income ) and still considered collectible or delinquent. 
DEMAND : I demand that this account be immediately deleted from my credit file with your bureau. Please update my report accordingly and provide written confirmation of this deletion. 

This dispute is being submitted in good faith and supported by federal documentation. I expect a full reinvestigation as required by FCRA XXXX ( a ), and a resolution within the XXXX window. 
Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief