vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-22 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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 concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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.

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 2025-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I am submitting this complaint regarding LVNV Funding LLC for their continued attempts to collect a debt that they have not legally verified, in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

During XXXX, I received a notification from LVNV Funding LLC about an unknown debt. I sent LVNV Funding a written request for debt validation. My request was sent in accordance with my rights under the FDCPA. 

To date, LVNV Funding LLC has failed to provide proper verification of the alleged debt. Instead, they have continued to contact me regarding this unverified account. Overall, they have failed to provide documentation proving that I am legally responsible for the debt. 

I have disputed the account with all three of the credit reporting agencies, XXXX, XXXX, and XXXX. All three companies returned a response that the account was verified as being reported correctly by LVNV Funding LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ

Complaint narrative:
AutoNow Financial attempted to verify an account using false employment information and deceptive verification practices. 

Representative : XXXX XXXX ( XXXX ) XXXX Email : XXXX She claimed AutoNow had proof of income showing I worked at XXXX XXXX, a place I have never worked. 
My SSN ending in XXXX has never been associated with any call-center employment in the last 5 years. 
This proves AutoNows internal records are inaccurate. 

When I denied ownership of the account, the representative falsely stated that my address verified the account, even though I moved into this address only 2 months ago. 

She refused to provide the alleged proof of income and instead tried to trick me into sending my drivers license, which is an improper method of validation. 

When I questioned the documentation and requested validation, she hung up on me. 

AutoNow is furnishing inaccurate information and refusing proper validation. I request the CFPB require : Full investigation All documentation Correction of false records Deletion of the account as unable to verify All contact should be email only. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: NY

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate information being reported on my credit report by the following creditors : XXXX XXXX XXXX High Balance : {$660.00}, Date Opened : XX/XX/XXXX Charge Off XXXX XXXX XXXX XXXX High Balance : {$17000.00}, Date Opened : XX/XX/XXXX Late Payment Details of the Complaint : I have no knowledge of the above charge-off account reported by XXXX XXXX XXXX This account is fraudulent or inaccurately attributed to me, and I request its immediate investigation and deletion. 

The late payment reported by XXXX XXXX XXXX is incorrect. I have never made a late payment on this account, and the reporting is therefore false. I request that the credit reporting for this account be corrected immediately to reflect my true payment history. 

These inaccuracies are causing significant harm to my credit score and financial reputation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate or unverifiable. I request that CFPB intervene and ensure that these errors are corrected or deleted from my credit report. 

Requested Action : Investigate and remove the charge-off reported by XXXX XXXX XXXX XXXX 

Correct the false late payment reported by XXXX XXXX XXXX XXXX. 

Provide written confirmation once these corrections have been made. 

I have attached all relevant documentation to support my claims. I urge the CFPB to take swift action to resolve this matter. 

Thank you for your prompt attention to this serious issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: LA

Complaint narrative:
Fraudulent accounts are reporting to my credit profile without my knowledge or 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 2025-11-21 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: LA

Complaint narrative:
Fraudulent accounts are reporting to my credit profile without my knowledge or consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 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: TN

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 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: Park Hill Holdings
State: FL

Complaint narrative:
XX/XX/XXXX reporting debt to XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX CoreLogic XX/XX/XXXX XXXX XXXX XXXX inaccurate. I lived at XXXX XXXX XXXX XXXX XXXX not XXXX during the dates claimed. I am a XX/XX/XXXX with my daughter due to this inaccuracy. PD cases : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ). All of my belongings were stolen from storage due to XXXX. XX/XX/XXXX has a history of misreporting and providing no validation. This record is harming my ability to secure housing. Request deletion under FCRA 609, 611, 623. Priority case preventing me from obtaining stable housing. RRSs known compliance problems 700+ BBB complaints in 3 years.

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 2025-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solar Mosaic LLC
State: FL

Complaint narrative:
I am filing this complaint because I am being charged by Solar Mosaic ( XXXX # XXXX ) for a solar loan even though the solar system installed by XXXX XXXX never operated correctly for over a year, causing severe financial loss and unjustified billing. 

Here is what happened : My solar system was installed by XXXX XXXX in XX/XX/year>, including solar panels and a XXXX XXXX battery. 

Although the installation was physically completed, XX/XX/XXXX failed to configure the system correctly, including : Failure to activate or configure the XX/XX/XXXX inverter Failure to establish monitoring access Failure to ensure that excess solar energy was exported to the XXXX grid Failure to ensure the XXXX battery was charging/discharging properly according to net-metering rules On XX/XX/year>, XXXX approved my Net Metering Agreement and issuedXX/XX/XXXX. 

Despite XXXX approval, my system did not generate bill credits, did not reduce my energy bill, and was not exporting energy to the grid. 

Throughout the entire XXXX period, I continued receiving full XXXX bills every month, as if I had NO solar system at allwhile also being required to make monthly loan payments to Mosaic. 

I repeatedly contacted both Mosaic and XX/XX/XXXX over many months requesting : Technical inspection Confirmation of proper system activation Monitoring access Explanation for lack of solar credits and high electricity bills XXXX XXXX repeatedly said the system was working, but XXXX confirmed that my meter was properly registering production meaning the issue is with the solar system setup, batteries, or inverter. 

As a result : I paid more than 12 months of XXXX bills at full price I was also charged monthly by Mosaic for a solar system that did NOT function The financial damage has been substantial Because the system never worked properly, I stopped paying Mosaic while attempting to resolve the issue Mosaic is now threatening collections, even though I should not owe for a system that never provided the contracted benefit I am requesting CFPB intervention because Mosaic is attempting to collect a debt for a system that has not delivered the promised functionality, and both companies failed to resolve the problem despite repeated attempts on my part. 

This is unjustified billing for an unusable product, and I have been financially harmed for over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Block, Inc.
State: OR

Complaint narrative:
XXXX deposited {$1300.00} into my Cash App account at exactly XXXX AM. At that time, my Cash App card was lost, and despite acting immediately, I was unable to lock the card in time. As a result, the funds were accessed without my authorization. This situation is unacceptable, and I am demanding immediate action to recover the full deposit, investigate the unauthorized use, and secure my account without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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:
Please correct/update this inaccurate information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 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: IL

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-11-22 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 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: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-11-22 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: CA

Complaint narrative:
I am writing to formally dispute the reporting of my XXXX account ending in XXXX, which is listed as a late open account across all three credit bureaus. According to my records, the account was opened on XX/XX/XXXX, with a last payment made on XX/XX/XXXX, and a last activity date of XX/XX/XXXX. The account is inaccurately reported with multiple late payments, including 30-day late payments in XXXX and XX/XX/XXXX, a 60-day late in XX/XX/XXXX, and 90-day lates in XXXX and XX/XX/XXXX. These reported delinquencies do not reflect my actual payment history. I have consistently made payments according to the terms of my account, and there is no credible documentation to substantiate the reported late payments. These misrepresentations materially distort the status of my account, negatively affect my creditworthiness, and violate FCRA 607 ( b ), which requires furnishers to follow reasonable procedures to ensure maximum possible accuracy. 
The inconsistencies in reported late payments and balances are particularly concerning given that this account is reported differently across the three major credit bureaus. The repeated misreporting creates confusion and undermines the integrity of my credit file. Under FCRA 611 ( a ) ( 5 ) ( A ), I am entitled to request a reinvestigation of any information that is inaccurate or unverifiable. I request that you conduct a thorough investigation with the creditor to verify all late payments, balances, and account status. If the reported delinquencies can not be fully substantiated with accurate documentation, they must be corrected to reflect the true payment history or correct entirely from my credit report.

Company response to consumer: Closed with non-monetary relief