vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In XXXX, 2023, I disputed a charged-off auto loan account from XXXX that is being reported inaccurately on my credit reports. Despite the account being marked as charged off, I have documentation from XXXX confirming that the account was paid in full and that I received the vehicle title. 

I submitted dispute letters to the credit bureaus requesting an investigation. The bureaus claimed the information was " verified '' and made no changes. I also contacted XXXX directly, and they provided a letter confirming the account was satisfied and closed. 

The account is still being reported as charged off with a balance, which is inaccurate and misleading. This violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies and furnishers to report only accurate and complete information. 

I am requesting that the CFPB require the credit bureaus and/or XXXX to correct or remove this item immediately, and confirm in writing that my credit report has been updated.

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 2025-06-27 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: MD

Complaint narrative:
In XXXX, 2023, I disputed a charged-off auto loan account from XXXX that is being reported inaccurately on my credit reports. Despite the account being marked as charged off, I have documentation from XXXX confirming that the account was paid in full and that I received the vehicle title. 

I submitted dispute letters to the credit bureaus requesting an investigation. The bureaus claimed the information was " verified '' and made no changes. I also contacted XXXX directly, and they provided a letter confirming the account was satisfied and closed. 

The account is still being reported as charged off with a balance, which is inaccurate and misleading. This violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies and furnishers to report only accurate and complete information. 

I am requesting that the CFPB require the credit bureaus and/or XXXX  to correct or remove this item immediately, and confirm in writing that my credit report has been updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In XXXX, 2023, I disputed a charged-off auto loan account from XXXX that is being reported inaccurately on my credit reports. Despite the account being marked as charged off, I have documentation from XXXX confirming that the account was paid in full and that I received the vehicle title. 

I submitted dispute letters to the credit bureaus requesting an investigation. The bureaus claimed the information was " verified '' and made no changes. I also contacted XXXX directly, and they provided a letter confirming the account was satisfied and closed. 

The account is still being reported as charged off with a balance, which is inaccurate and misleading. This violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies and furnishers to report only accurate and complete information. 

I am requesting that the CFPB require the credit bureaus and/or XXXX to correct or remove this item immediately, and confirm in writing that my credit report has been updated.

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 2025-06-27 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 XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$8200.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-06-27 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: GA

Complaint narrative:
I am filing this complaint against Experian regarding an account with XXXX XXXX inaccurately reporting to the credit bureaus in the amount of {$2700.00}. 

The account is being reported as a charged-off debt with a current outstanding balance. However, if a creditor reports a debt as charged off and has also filed Form 1099-C with the IRS ( as required under XXXX XXXX for canceled debt ), then the continued reporting of a balance owed on my credit report is misleading, inaccurate, and unlawful. 

This dual reporting violates my rights under : FCRA 1681s-2 ( a ) : Duty to report accurate, complete information FCRA 1681i : Right to dispute and reinvestigation FCRA 1681e ( b ) : Obligation to maintain maximum possible accuracy The credit report entry is impacting my creditworthiness by showing a balance that has likely been forgiven or written off, thus unfairly inflating my debt-to-income ratio and impairing my ability to access credit. 

I have disputed this directly with the credit bureaus and am seeking your assistance in investigating whether this account has, in fact, been canceled ( via 1099-C ), and if so, that the account should be corrected to reflect a {$0.00} balance or deleted entirely. 

If the debt was canceled, the creditor ( XXXX XXXX ) should not continue reporting a balance. If no 1099-C exists, they must provide clear documentation supporting the continued balance reporting.

I request that the CFPB require this creditor to investigate and either update the account to reflect {$0.00} balance or delete the account if the reporting can not be verified under current law.

I also request documentation verifying whether Form 1099-C was issued, and a full explanation of why a balance continues to be reported if the account was charged off.

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 in to be removed. 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. XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX XXXX 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! Delete the late payments from my consumer reports

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information XXXX have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Sunnova Energy Corporation
State: PA

Complaint narrative:
I am filing a complaint regarding an unresolved contract error and improper billing demands related to a solar financing agreement with Sunnova Energy ( Account # XXXX ). 

On XX/XX/XXXX, my husband and I completed a Transfer Agreement with XXXX for the solar system at our home. However, Sunnovas contract inaccurately lists a person named XXXX XXXX as the prior homeowner, which is factually incorrect. We have owned the home since XXXX. Sunnovas own records are incorrect, and this error was made by them, not us.

We contacted Sunnova multiple times by phone and email. Most recently, on XXXX XXXX XXXX, we sent a formal letter demanding correction of this error before any billing begins. We received only a general response about their XXXX XXXX XXXX  filing, followed by a phone call where we were told that Sunnova would not correct the contract unless we paid {$750.00} upfront.

We have made it clear that we are willing to proceed once the documentation is corrected. However, Sunnova is now demanding payment under an incorrect agreement that still includes a party who is not involved. We are being pressured to pay under a legally flawed contract. 

I am requesting : That Sunnova immediately correct the contract and records to reflect the actual owners That no billing begin until accurate ownership is reflected That the {$750.00} payment be waived or deferred until proper documentation is in place I am concerned about being held responsible for a financing agreement that is not legally accurate. We have acted in good faith, but Sunnova has refused to fix the issue they created.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am filing a formal complaint regarding a XXXX XXXXXXXX XXXX account reported balance XXXX that is inaccurately reported on XXXX XXXX XXXX 

The account continues to show an active credit limit, even though it is marked as a XXXX  This is misleading and violates the Fair Credit Reporting Act ( FCRA ) Section XXXX ( b ), which requires accurate and complete reporting. Additionally, if XXXX XXXX is continuing to update or re-age the account, this XXXX violate FCRA Section XXXX ( c ). 

Ive contacted the XXXX XXXX and requested an investigation, but I am requesting CFPBs assistance in ensuring that XXXX XXXX either : Verifies the accuracy of this reporting with proper documentation, or Deletes the account from XXXX XXXX XXXX 

I believe this reporting is unfair, inaccurate, and XXXX  to my XXXX. 

Thank you for your help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a XXXX of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-06-27 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:
I recently reviewed my credit report and noticed that I had an account that was not reporting accurately. I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments. I have attached a copy of my report to this complaint on the following dates ( XX/XX/year> and XXXXXXXX XXXX  ) I am now requesting you to investigate this account and update these payments to paid on time immediately. Thank you for your prompt response.

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 2025-06-27 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: NJ

Complaint narrative:
Please help me investigate accounts from these companies that inaccurately show XXXX  payments on my credit report. I have checked my report and found some accounts with incorrect XXXX  payment notations. These accounts should have no XXXX  payment remarks. Kindly remove these remarks and update the accounts as 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 explanation
Consumer complaint received 2025-06-27 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ]

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 2025-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
To Whom It XXXX Concern, My name is XXXX XXXX, and I am filing this complaint due to an ongoing and unresolved issue with Citibank, which has caused me XXXX XXXX XXXX XXXX XXXX Nearly XXXX  days ago, Citibank placed a fraud alert on my account due to what they described as too many transactions. As a result, my account was frozen without notice, and I have been completely unable to access my funds ever since. I was told I would receive a verification letter by mail. I explained to Citibank that my mailing situation is not secure or stable, and that I urgently needed an alternate verification method. Despite this, I was told the bank could not help me until I receive and respond to the lettersomething I still have not received after almost a month. I was later told a second letter was sent, but I have seen no evidence of that. This situation has directly resulted in : Inability to buy food or basic necessities Unpaid bills XXXX insecurity and XXXX XXXX I have made multiple calls to XXXX fraud department requesting help and explaining the urgency of my situation, but no one has taken appropriate action to resolve this. I have also filed complaints with other regulatory agencies, but the bank continues to delay without offering a real solution. I am requesting that Citibank : Immediately unlock my funds or offer a secure alternate method of identity verification ( e.g., in-branch verification, phone or email-based verification ) Provide a full explanation for the prolonged delay Provide restitution for the XXXX  XXXX  caused by their inaction I believe this XXXX constitute unlawful withholding of consumer funds and possibly violate federal consumer protection laws. Thank you for your time and immediate attention to this urgent matter. 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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In XXXXXXXX XXXX I disputed a charged-off XXXX XXXX credit card account that is still being reported inaccurately on my credit reports. The account is marked as charged off with a balance, but XXXX XXXX has sent me a written confirmation stating that the account has been paid in full. 

I submitted dispute letters to the credit bureaus requesting a correction, but the account remains unchanged. I also contacted XXXX XXXX directly, and they confirmed in writing that the account has a XXXX balance. 

Despite this, the credit reporting agencies and/or XXXX XXXX continue to report the account as charged off, which is misleading and inaccurate. This violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires that only accurate, complete, and verifiable information be reported. 

I am requesting that this inaccurate account status be fully corrected or removed from all of my credit reports.

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 2025-06-27 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: MD

Complaint narrative:
In XXXXXXXX XXXX, I disputed a charged-off XXXX XXXX credit card account that is still being reported inaccurately on my credit reports. The account is marked as charged off with a balance, but XXXX XXXX has sent me a written confirmation stating that the account has been paid in full. 

I submitted dispute letters to the credit bureaus requesting a correction, but the account remains unchanged. I also contacted XXXX XXXX directly, and they confirmed in writing that the account has a XXXX balance. 

Despite this, the credit reporting agencies and/or XXXX XXXX continue to report the account as charged off, which is misleading and inaccurate. This violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires that only accurate, complete, and verifiable information be reported. 

I am requesting that this inaccurate account status be fully corrected or removed from all of my credit reports.

Company response to consumer: Closed with non-monetary relief