vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Request for Removal of Dismissed XXXX XXXX  Bankruptcy from Credit Report Under 15 U.S. Code 1681a ( 4 ) To Whom It May Concern, Under 15 U.S. Code 1681a ( 4, the FCRA mandates that consumer reporting agencies operate with fairness, impartiality, and a respect for the consumers right to privacy. The continued inclusion of this dismissed XXXX XXXX  casedespite its lack of resolution or active statusrepresents an unnecessary invasion of my personal privacy. 



There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Continuing to report a dismissed XXXX XXXX bankruptcya proceeding that was never completed and does not represent an actual resolutionviolates the spirit and intent of this provision by unnecessarily stigmatizing my credit report and infringing upon my right to privacy. 



Furthermore, the presence of this dismissed bankruptcy on my credit report allows it to appear in online public searches, such as background checks or internet databases, creating undue embarrassment, reputational harm, endangerment, and discrimination. It is both unfair and inappropriate for dismissed and inactive legal matters to remain easily accessible in a way that misrepresents my financial standing. 



This type of outdated and irrelevant information serves no valid reporting interest and creates lasting damage to my privacy and dignity. I am not seeking to erase factual records, but to ensure that dismissed and incomplete proceedings are not misused to imply negative creditworthiness. 



I therefore respectfully request that you : Reinvestigate this entry and validate whether its continued inclusion meets the legal standards of relevance and necessity under the FCRA ; Remove the dismissed XXXX XXXX bankruptcy from my credit file if no current permissible purpose applies ; Confirm in writing that this request has been fulfilled or provide the rationale for continued reporting. 


Please respond within the timeframe required by law. I appreciate your cooperation and commitment to protecting consumer privacy. 



Sincerely, 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 explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Solar Mosaic LLC
State: GA

Complaint narrative:
Subject : Formal Dispute of Solar XXXX  Misrepresentation and Unaffordable Balloon Payment Dear Mosaic Team, I am writing to formally dispute the terms and conduct related to my solar loan issued through Mosaic, which began in XXXX. 

When I signed the loan agreement, the sales representative and solar installer ( partnered with Mosaic ) assured me that I would receive a federal tax credit sufficient to cover a large portion of the system cost, specifically, around {$5000.00}. Based on these promises, I was told that the credit would be available at tax time and would reduce the true cost of the system. 

Unfortunately, that did not happen. Despite filing my taxes, I did not receive the expected credit, and now I have been informed that a {$5000.00} payment will be due in the next few months. This balloon payment was never properly explained at signing, and it was not made clear that I would owe this amount out-of-pocket if I didnt qualify for or receive the tax credit. 

This constitutes a serious case of misrepresentation and unfair lending practices. Had I known the truth that I might be liable for an additional {$5000.00} I could not afford I would not have agreed to the contract.

Therefore, I am requesting the following : Immediate pause on the loan payments and the pending balloon adjustment. 

A full re-examination or modification of the loan, to reduce or eliminate the {$5000.00} payment based on the lack of proper disclosure. 

Written confirmation of your receipt of this complaint and what steps Mosaic will take to resolve it. 

If this matter is not addressed, I will be filing formal complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my State Attorney Generals Office, and seeking legal representation under consumer protection law for deceptive financing practices.

Please respond in writing within 15 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: TX

Complaint narrative:
I want to emphasize that this complaint is legitimate and not submitted in error. My credit report contains inaccurate information that does not meet the federally required standard of maximum possible accuracy. These errors are causing ongoing harm to my financial and personal well-being during an already challenging time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX beyondXX/XX/XXXX from continuously disputing this unauthorized Bank XXXX XXXX account XX/XX/XXXXXXXX that has been wrongfully reported on my credit file for over a year. I have never given any written consent or authorization for my personal information to be used or shared in connection with it. I have submitted multiple disputes and provided supporting documentation. Yet despite all of this, every single time I receive the same generic and meaningless response : verified as accurate, with no explanation, no supporting evidence, and no legitimate documentation to prove its validity. This is not only unacceptable, it is a direct violation of my rights under the Fair Credit Reporting Act. Under XXXX XXXX. XXXX, no consumer reporting agency is permitted to report or furnish information without a permissible purpose. I never initiated or authorized this account, which means there is no permissible purpose to justify its reporting. Under XXXX XXXX. XXXX ( b ), Equifax is required to maintain reasonable procedures to ensure maximum possible accuracy. Clearly, this was not done, as the account continues to be reported despite my repeated disputes and evidence of identity theft. Most egregiously, under XXXX XXXX. XXXX ( a ), I am entitled to a proper reinvestigation of any disputed item. However, it's obvious that no genuine investigation has ever been conducted. The same canned response, without any proof, shows complete disregard for compliance. The lack of action on XXXX part reflects willful noncompliance under XXXX XXXX. XXXX and negligent noncompliance under XXXX XXXX. XXXX. They are knowingly allowing the continued reporting of inaccurate and harmful information, despite being made fully aware of the situation. This is not just a technical error ; this is a blatant failure of duty and a violation of federal law. My personal and financial reputation is being damaged daily due to XXXX refusal to remove a clearly unauthorized and unverified account. XXXX demanding the immediate and permanent deletion of this Bank XXXX XXXX account from my credit file. I have exhausted every good-faith effort to resolve this, and I will not tolerate being ignored any longer. XXXX is enough. Do your job, investigate properly, and delete this account as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: CT

Complaint narrative:
In late XXXX and early XX/XX/year>, I noticed XXXX XXXX  credit inquiries on my credit report : XXXX from Bank XXXX XXXX dated XX/XX/year>, and another from XXXX dated XX/XX/year>. I did not authorize either of these credit inquiries. 
These unauthorized inquiries are negatively impacting my XXXX XXXX. I attempted to dispute these inquiries directly with the credit bureaus online, but my disputes were rejected or not accepted. I also contacted the companies involved requesting proof of authorization and details, but they did not provide any information. 
Because these inquiries appear fraudulent or unauthorized, and the companies have failed to provide proof or correct my credit report, I am filing this complaint with CFPB for investigation and removal of these inquiries.

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 2025-07-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I called and spoke with the lady at XXXX XXXX XXXX in XXXX, XXXX and XXXX request they provide proof that I owe, they should they will and never provided anything. They are reporting inaccurate and false information that is hurting my credit and Im trying to get a mortgage this week. I also called Fair Collections & Out Sourcing and let them know they are reporting inaccurate information and to remove this from all credit history reporting off of my credit immediately and I have contact them since XXXX and they havent done anything. I also disputed with the credit agencies and they havent done anything not done an accurate investigation. I ask them what measures and proof did they use to investigate and they never responded. 

I need this incorrect and false information which is a violation I need this off my credit immediately, I am trying to purchase a home and this is negatively affecting my 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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXXXX/XX/XXXX, Balance : {$3200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$830.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$9800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$13000.00}

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 2025-07-11 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: EQUIFAX, INC.
State: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I am submitting this complaint regarding inaccurate and inconsistent reporting of a time share account that has been paid in full and is well beyond the statute of limitations for debt collection in my state. 

Despite the account being closed and paid, XXXX  and XXXX  continue to report this account as an active collection, while XXXX  correctly reports it as closed and paid in full. This inconsistency is misleading, damaging to my credit profile, and in direct violation of federal consumer protection laws. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate and consistent information across all three bureaus. Reporting a paid and time-barred debt as a current collection is misleading and unlawful. 

Furthermore, if this debt is being reported or collected upon by a third-party collector, it may also constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits attempts to collect on time-barred debts or to misrepresent the legal status of a debt.

I request that the CFPB investigate this matter and ensure that : XXXX  and XXXX update their records to reflect the accurate and consistent status of the account ( closed, paid in full ) ; All reporting entities cease any further attempts to collect on or report this debt as active ; Any violations of the FCRA and/or FDCPA be addressed and remedied. 

I have documentation available upon request to support that the account has been paid and is beyond the applicable statute of limitations. 

Thank you for your attention to this matter.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center.

regarding inaccurate and unverifiable information on my credit report ( XXXX XXXX XXXX ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX ACCOUNTS : XXXX - Account Number : 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, Date Opened : XX/XX/XXXX, Balance : {$110.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$400.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$530.00}

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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