vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent.

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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 ( see attached copies ). 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 2025-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
I had a a account with title max in XXXX ga and I was make on time payments and they repossessed my car they say I didnt sigh the documents but they still took there payments out of my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
I asked for services getting a home and a car and I was scammed out of my money I notified chime and they would not return my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MoneyLion Inc.
State: FL

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it.

Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: NC

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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:
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 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
Dear Collections Officer : This letter is in response to your credit reporting entry related to the debt referenced above. We are truly experiencing financial strains across all boarders both in homes and businesses ; therefore, I wish to save us both some time and effort by settling this debt.

Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt. Nor is this a promise to pay and is not a payment agreement unless you provide a response in agreement as detailed below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: OR

Complaint narrative:
Despite repeated attempts to resolve these matters, Equifax continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially.

time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: CA

Complaint narrative:
Here is a * * clean, compliant, CFPB-ready description * * you can paste into the What happened box.

It avoids personal info and is written to * * avoid the duplicate flag and force a reinvestigation * *.

-- - # # # * * CFPB Description to Paste * * In early 2025, I disputed inaccurate reporting on a XXXX  XXXX XXXX account that was settled in full. A settlement agreement was issued by the collection agency in XX/XX/year> confirming the account would be marked as settled. Despite this, the credit bureaus continued to report charge-off ( CO ) notations for multiple months after the settlement date.

A prior CFPB submission was incorrectly closed as a duplicate, but the issue has not been resolved. This is not a duplicate complaint. The inaccurate reporting remains and no correction was made.

The account should reflect Paid Settled as of the settlement date, with no CO reporting after XX/XX/year>. I am requesting a reinvestigation and correction to ensure the account is reported accurately in compliance with the Fair Credit Reporting Act. Supporting documentation is attached.

-- - Would you like me to also provide the * * Requested Resolution * * section wording ( short sentence for the next field )?

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 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it.

Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Summary of Incident I am requesting a refund for a purchase of XXXX XXXX   that was charged to my account, but for which no benefit was received. I have evidence from both XXXX and my bank statement showing the transaction occurred and that a refund is due. My previous dispute with Chase was incorrectly processed as fraud instead of services not rendered/no benefit received, which has resulted in the denial of my refund. 


Evidence and Account Status I can provide screenshots of my XXXX account confirming that the purchased XXXX  were never credited. 
I can provide screenshots of the communication with XXXX support confirming a refund was warranted.

I can provide evidence from my bank statement showing the initial charge and the subsequent denial/removal of the temporary credit.

The core issue is that the initial dispute was misclassified by Chase, and I am now being penalized for a service I paid for but never received. I request that the refund be processed immediately.

The 2 transactions they took away from me set me back XXXXXXXX XXXX  and my account is almost becoming closed. 


These are the dates of the transactions XX/XX/XXXX 2 transactions of XXXXXXXX XXXX I talked to Chase for a month straight and XXXX also. The whole month of XXXX. 

I will submit screenshots of me being negative on both sides to prove I didnt receive anything and I will provide proof that XXXX messaged me saying I would received a refund and chase never helped with that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-11-04 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: CA

Complaint narrative:
I am filing this complaint to report multiple inaccurate and unauthorized items being reported on my credit profile, along with incorrect address information listed under my personal data. These errors are severely affecting my credit reputation and financial standing. 

Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These addresses are completely incorrect and have no association with me. I have never lived at or been affiliated with any of the above locations. Their presence on my credit file indicates inaccurate or mixed reporting of someone elses information with mine, which violates the Fair Credit Reporting Act ( FCRA ) 609 and 611.

Disputed and Unauthorized Accounts : XXXX XXXX XXXX Account No. XXXX XXXX XXXX Balance : {$9100.00} Date Opened : XX/XX/XXXX Status : Charge Off * * I have no knowledge of this account and have never opened any account with this company. This is a fraudulent or misreported account that must be deleted immediately. 

XXXX Account No. XXXXXXXX XXXX XXXX Balance : {$160.00} Date Opened : XX/XX/XXXX Status : Charge Off * * I have no knowledge of this account. I have never had any dealings or credit agreements with XXXX. This account is inaccurate and unauthorized, and I request its immediate deletion. 

XXXX XXXX XXXX Account No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$650.00} Date Opened : XX/XX/XXXX Status : Collection * * This account is not mine. I have no recollection or record of any account being assigned or sold to this collection agency. I demand deletion as it is an erroneous and unverifiable collection account. 

XXXX Account No. XXXX High Balance : {$560.00} Date Opened : XX/XX/XXXX Status : Charge Off * I have no knowledge of this account. This is not a legitimate debt belonging to me and must be removed immediately.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation and complete deletion of all the above inaccurate accounts and addresses from my credit file. The continued reporting of unverified or incorrect information is a willful violation of my consumer rights.

I am demanding that the CFPB require all parties involved including the credit reporting agencies ( XXXX, Experian, and XXXX  ) and the furnishers of this data to provide documentation proving the legitimacy of these accounts or to permanently delete them if they can not be verified beyond doubt.

Please provide written confirmation of your receipt of this complaint and the actions taken as a result of this investigation.

Thank you for your prompt attention to this serious matter.

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 2025-11-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Solar Mosaic LLC
State: IL

Complaint narrative:
I paid off my Solar Mosaic / Solar XXXX solar loan in full on XX/XX/XXXX, as confirmed in a written payoff confirmation letter from Solar XXXX XXXX. The company was legally required under 810 ILCS 5/9-513 to record a UCC-3 Termination Statement to remove their lien ( fixture filing ) from public records within 20 days of payoff. 

Despite multiple follow-ups, Solar XXXX has failed to do so. 

On XX/XX/XXXX, I received an email from Solar XXXX acknowledging payoff, but no termination was filed. My attorney contacted their lien-release department, and Solar XXXX claimed that the release should already be at the county office. However, when I personally visited the XXXX XXXX Recorder of Deeds, the staff confirmed that no UCC-3 Termination Statement has been received or recorded under the related lien ( Document # XXXX, filed XX/XX/XXXX ). 

Because of Solar XXXX inaction, the lien continues to appear on my property title, blocking the sale and closing of my home. The county also confirmed that only the lender ( Solar XXXX ) can file this termination electronically through their vendor ( XXXX  ) .

I have repeatedly emailed XXXX and XXXX, requesting confirmation of filing or an e-recording receipt, but have received only generic template replies or no response.

I am requesting the CFPBs assistance to compel Solar XXXX XXXX to immediately record a UCC-3 Termination Statement with the XXXX XXXX Recorder of Deeds and to provide written confirmation of recording, so that my property title can be cleared.

Timeline summary : XX/XX/XXXX Solar loan paid in full ( proof attached ). 

XXXX Multiple emails sent requesting lien release. 

XX/XX/XXXX Solar XXXX acknowledged payoff but took no action. 

XX/XX/XXXX Visited XXXX XXXX XXXX ; no termination filed. 


Amount involved : Approx. payoff of {$19000.00}. 

Relief requested : Require Solar Servicing LLC to immediately record the UCC-3 Termination Statement and provide confirmation of lien release to allow my property sale to close.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: GA

Complaint narrative:
I am disputing a {$310.00} collection account being reported by IQ Data XXXX for XXXX XXXX XXXXXXXX XXXX. I do not owe this debt and have never received any proof that it belongs to me. On XX/XX/year>, I sent a written request to IQ Data asking for full debt validation, including a copy of the original signed lease, itemized charges, and proof of ownership. The company refused to provide validation and told me over the phone that they dont have to give proof and that I must pay. This is a violation of the Fair Debt Collection Practices Act ( FDCPA 809 ) and the Fair Credit Reporting Act ( FCRA 623 ) since they continue to report unverified information to XXXX. I am requesting that this account be fully investigated, validated, or deleted from all credit bureaus if validation can not be produced. I am also requesting confirmation in writing once this matter is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are late payment records on my credit report that I believe are inaccurate. According to 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, my credit file must contain only information that is verified, accurate, and complete. I am therefore requesting that these reported late payments be investigated, and if they can not be verified as correct, that they be updated or deleted accordingly.

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 2025-11-04 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: CA

Complaint narrative:
I am a victim of the data breach and a plaintiff in a class action lawsuit against the credit bureaus. Inaccurate information supplied by the mortgage company is being reported monthly. 

XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
Despite repeated attempts to resolve these matters, Transunion continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially.

time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

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