vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
When I noticed that two of my credit cards were being reported as having a late balance and in a negative standing I called the card issuer they claimed they reported it as paid on time, I then called the credit reporting agencies who all blamed the the credit reporting agencies. bottom line its being reported wrong. I also noticed several inquiries that I had not authorized.

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 2025-07-16 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: NY

Complaint narrative:
I am formally requesting the immediate deletion of the following negative entries accounts from my credit report on EXPERIAN, as they were reported without my prior knowledge or express authorization, in direct violation of multiple federal consumer protection laws : I respectfully request the immediate removal of all fraudulent accounts from my credit report. 

Collection : XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge-Off : Bank of XXXX Account XXXX XXXX Unauthorized Inquiry : XXXX XXXX XXXX Date : XX/XX/year> ( Experian )

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 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: DC

Complaint narrative:
I am financing a {$36000.00} rooftop solar panel system through GoodLeap, installed in XX/XX/year> by XXXX XXXX via a referral from XXXX XXXX. I was explicitly told in writing and in conversations that the system would cover nearly all of my energy needs and that my utility bill ( XXXXXXXX XXXX XXXX  ) would be reduced to {$5.00} $ XXXX. 
Since installation, that has never been the case. My system consistently underproduces ( only XXXX kWh/month in peak summer ), and I continue to receive XXXX bills averaging XXXX XXXX which is nearly the same as before going solar. I am now paying both a XXXX bill and the monthly GoodLeap loan, with no meaningful financial benefit. 

XXXX has acknowledged multiple system issues : poor production from shaded panels, electrical interference per XXXX  monitoring, and a design that did not fully account for shading. They gave me {$2000.00} in cash for trenching to expand the system, which was never formally documented, further suggesting the original design was flawed. 

Despite repeated outreach, I have received no remediation or performance-based adjustment to my loan. I am now financing a non-functional or underperforming product under false pretenses. I am requesting : An immediate investigation into the loan based on misrepresentation and failure of performance Reimbursement of payments made and forgiveness of remaining payments A resolution that acknowledges the system was not designed or installed to match the promised performance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA  6058 (15 U.S.C.  1681c-2) that you, the TransUnion Experian , and XXXX  credit reporting agency. I  request that you (CFPB) 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.\n\n\nIn accordance with the Fair Credit Reporting act , these in accurate accounts consist false reporting accounts are 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 the accounts are falsely listed with wrong dates and account numbers on my Experian ,Trans Union and XXXX  consumer credit profile. I would like these hard inquiries deleted with in 4 days of receiving this complaint.\n15 U.S.C 1681 section 602 A. States I have the right to privacy.\n15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions'

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 2025-07-16 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:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I called them and asked for a full print I never received any written communication from them they never called and or texted I would like this removed from credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX reaching out regarding a fraudulent credit inquiry that is currently appearing on my credit report. Let me be absolutely clear : I did not authorize or initiate this inquiry in any way, and I had no knowledge of it until I reviewed my credit report. 

This was not done by me, and I have never given consent to the company that pulled my credit. That means this inquiry was made without a permissible purpose, which is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Ask to remove items listed on my account due to identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NY

Complaint narrative:
I am requesting the removal of two student loan accounts reported by XXXXDept . of Education that continue to show as 120+ days late on my Experian credit report. These accounts were previously disputed, but Experian failed to correct or remove them, despite multiple violations of the Fair Credit Reporting Act ( FCRA ), including failure to verify the information, lack of permissible purpose, and failure to include a dispute notation. I am attaching my second dispute letter outlining these violations and demanding deletion of the inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Synchrony Home Account Number Ending in XXXX was paid in full by XX/XX/year> for no interest even though this case was included in XXXX  XXXX bankruptcy case # XXXX This total was still paid by the date to not incur interest. I have asked Synchrony to provide me proof of purchase, which would be the item, and all payments received. They are over charging in interest because this total amount due is all interest, this must get corrected and I had previously responded to their request, nothing is being done.

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 2025-07-15 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I respectfully request the removal of the following hard inquiries from my credit report These inquiries were reported on my consumer file in violation of the Fair Credit Reporting Act ( FCRA ), Section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved an extension of credit to me, the consumer, nor did I authorize them. However, it appears that my information was used in connection with these inquiries without my consent. 


XXXX XXXX XXXX XXXX Attached is my formal dispute, along with the fraud report I recently submitted to Equifax for the second time. I trust this matter will now be addressed thoroughly and resolved in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Thomas George Associates, Ltd.
State: TX

Complaint narrative:
This complaint is a continuation of a previously closed complaint regarding a claim being pursued by TGA Recovery on behalf of XXXX XXXX XXXX, relating to an automobile accident allegedly occurring on XX/XX/XXXX. 

XXXX has identified the involved individual as XXXX XXXX, with a XXXX XXXX registered to XXXX XXXX  in XXXX, TX. I am not that person. 

My legal name is XXXX XXXX XXXX. I have never lived at that address, have never owned a XXXX, and have never held an insurance policy with XXXX XXXX or XXXX. The police report and denial of coverage letter TGA provided list incorrect information across the board including name, address, date of birth, drivers license number, and vehicle.

I explained this to TGA, and rather than acknowledging the identity mismatch, they told me they would not respond in writing and insisted I call them by phone. They also implied I should have my current insurance contact them which I see as an attempt to goad me into revealing my correct insurer so they can file a false claim. 

I have nothing to do with this incident. TGA appears to be pursuing this claim based on a name match alone, without performing even the most basic identity verification.

I am requesting that : TGA be directed to close this file immediately The CFPB review whether their actions violate the Fair Debt Collection Practices Act ( FDCPA ) TGA be required to cease further contact with me This matter be clearly documented as unresolved due to misidentification I am willing to verify my identity or provide proof of insurance history directly through the CFPB, but I will not submit private documents to a company pursuing the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: NJ

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

Company 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 2025-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
My XXXX XXXX XXXX ( VIN ending in XXXX ) was repossessed by Regional Acceptance Corporation on XX/XX/XXXX. I paid the required reinstatement and repossession fees that daya total of {$4000.00} made in XXXX separate transactions. 
I was provided with a third-party company called XXXX  XXXX ( phone : XXXX ), which handles repossession coordination. At XXXX XXXX on XX/XX/XXXX, I was told to call back within an hour, as the release paperwork had not yet been updated in their system. I followed instructions and called XXXX XXXXXXXX again at XXXX XXXX, but was told the lender had not sent over the release paperwork. 
I then called Regional Acceptance Corporation at XXXX XXXX, and was informed that XXXX XXXXXXXX had not marked my vehicle as repossessed in their system, so the lender could not send the release paperwork. I relayed this back to XXXX XXXXXXXX, who then said they didnt know why the car wasnt showing as repossessed. 
I called XXXX XXXXXXXX again at XXXXXXXX XXXX, and they repeated that they hadnt received the paperwork. I then called the lender again, and they said they had sent it. After several back-and-forth calls and extended hold times, I was finally provided with a repo lot phone number by XXXX XXXXXXXX at XXXXXXXX XXXXbut the representative informed me the lot closed at XXXX XXXX, making it impossible to retrieve the vehicle that day. 
I called the repo lot at XXXXXXXX XXXX on XX/XX/XXXX, but the phone number provided was unsuccessful. I then called XXXX XXXX again and asked for the repo lot address, but they refused to give it to me, despite the number not working. I called back XXXX more times throughout the day and received the same response, with no help. 
At this point, storage fees of $ XXXXday are accumulating while I am being denied access to my vehicle despite having already paid in full. I have made multiple attempts to retrieve my car, but both the lender and the third-party company have failed to coordinate or provide usable repo contact information. 
I am requesting that CFPB investigate this issue and assist in : Ensuring my vehicle is released immediately without further delay or storage charges. 
Ensuring Regional Acceptance Corporation provides complete and accurate repo lot contact information, including the physical address. 
Preventing further financial harm to me and my co-signer ( my aunt ), including damage to our credit. 
This situation has caused immense emotional and financial stress. I have done everything required of meincluding paying in fulland I am being punished due to miscommunication and negligence between the lender and their third-party vendor.

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 2025-07-15 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:
Upon reviewing my credit report, I have identified the following item ( s ) that are inaccurately reported : ACCOUNTS : XXXX XXXX XXXX / {$660.00} / XXXX, XXXX XXXX XXXX / {$390.00} / XXXX, XXXX XXXX XXXX XXXX XXXX {$1200.00} / XXXX, XXXX XXXX XXXX / {$1900.00} XXXX XXXX, XXXX XXXX XXXX XXXX / {$1500.00} / XXXX XXXX XXXX XXXX  XXXX / {$26000.00} / XXXX, XXXX XXXX XXXX XXXX / {$870.00} / XXXX, XXXX XXXX XXXX {$1100.00} / XXXX, XXXX  XXXX XXXX / {$1100.00} / XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX / {$1900.00} / XXXX, XXXX XXXX / {$1200.00} / XXXX, XXXX XXXX / {$0.00} / XXXX. 
ADDRESS : 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 In accordance with the Fair Credit Reporting Act, I herby request that items be thoroughly investigated and promptly removed from my credit report. It is my understanding that you will verify these items with the relevant creditor. Ant information that the creditor fails to substantiate should be deleted. As stipulated by 15 U.S.C. Sec. 1681 ( a ), I expect this investigation to be completed within 30 days of receiving this statement.

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 2025-07-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation