vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: HI

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: HI

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
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 non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX creditor : XXXX  Amount : {$2400.00} Date opened : XX/XX/year> This has been on my credit report, I contacted XXXX  fraud department they advised that I had to fill to this form. I have never opened a XXXX  account or owned a XXXX account. I was not even in XXXX  at the time I travel for work and have had XXXX cell service for years. I need this removed from my credit report as soon as possible as it is hurting my credit. I do not have any collections on my credit and these that are are not mine. 



Waypoint Resource Group Original Creditor : XXXX XXXX Amount : {$580.00} Date opened : XXXX XXXX This has also been on my credit report, it is around the same time the collection above was added and also not paid. I have never ever opened this account nor had cable services. I need this removed off my credit report as soon as possible as it is hindering my credit and has been hurting it for a while now.

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 2025-06-16 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Information being reported from multiple creditors is inaccurate, and when disputed, they came back as " verified as accurate ''. According to 1681 ( e ) ( b ), accuracy of report, a consumer reporting agency must assure maximum possible accuracy.

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 2025-06-17 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: CA

Complaint narrative:
Experian and [ XXXX XXXX ] Issue : Unauthorized hard credit inquiry / deceptive practices/ failure to resolve dispute Details : I am filing this complaint because XXXX misled me during what they advertised as a pre-approval process for a vehicle. At no point was I told that a hard credit inquiry would be made, and I never gave explicit consent for it. I only later found out that a hard inquiry had been placed on my Experian credit report. 

I contacted Experian immediately to dispute the unauthorized inquiry. Despite multiple phone calls, I was placed on long holds, disconnected, and transferred without resolution. I asked to speak with a supervisor and to be connected to the fraud department, but I was never given proper help. I feel Experian is denying me my rights under the Fair Credit Reporting Act ( FCRA ) to dispute inaccurate or unauthorized information on my credit report. 

This inquiry is hurting my credit, and I was not given a fair chance to dispute it. Im asking for a full investigation into the inquiry and the handling of this dispute by both the company that ran it and Experian.

I am also concerned this company may be misleading other consumers into unknowingly authorizing credit checks.

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 2025-06-17 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
Each month, XXXX XXXX  claims that each mortgage payment is delivered in one business day. Regions Bank says that XXXX is actually mailing via USPS. As a result, there are times that Im collecting late fees because of this.

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 monetary relief
Consumer complaint received 2025-06-17 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: EQUIFAX, INC.
State: OK

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 victim 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 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Paramount GR Holdings, LLC
State: VA

Complaint narrative:
Dear CFPB Officer, I am writing to formally follow up on a complaint I submitted against GoodLeap , LLC for repeated violations of the Fair Credit Reporting Act ( FCRA ) and the FTC Holder Rule, as well as potential fraudulent business practices and consumer harm. 
The disputed account involves a solar panel financing arrangement allegedly connected to XXXX XXXX ( XXXX XXXX XXXX ). The original seller filled bankruptcy in XXXX, and I have disputed the debt in writing with all three credit reporting agencies. Despite no legally binding contract being produced, and a GoodLeap representative confirming on a recorded call that no signed contract exists, they continue to bill me, contact me, and report this unverifiable debt to the credit bureaus. 
Important details : Dispute submitted to credit bureaus on XX/XX/XXXX Verified by GoodLeap on XX/XX/XXXX, without providing evidence No signed contract has ever been presented GoodLeap representative confirmed the lack of verification XXXX XXXX filed for bankruptcy, rendering any related debt dischargeable Additionally, under the FTC Holder Rule, the lender ( GoodLeap ) is responsible for claims I have against the seller. GoodLeaps continued attempts to enforce and collect on an unenforceable and possibly fraudulent contract constitute egregious violations of my consumer rights. 
I am requesting that the CFPB investigate GoodLeaps conduct, specifically : Their failure to investigate and respond accurately to credit disputes under FCRA 611 and 623 Their attempts to collect and report on a debt without proper legal documentation Potential violations of the FTC Holder Rule The emotional and financial damage caused by their false reporting Goodleap 's Response to my letter " Thank you for your response to GoodLeap. We will stop all future calls and emails on the account. Your threat has been documented in our system. Please keep in mind that this will not stop credit bureau reporting or the escalation of the account in collections.

I've escalated your concerns to the appropriate team. 

If you need further assistance in the future, you will need to call us directly at XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> TRANSUNION Subject : Formal Dispute Metro 2 & FCRA Violations Identity Theft Block Ignored XXXX XXXX  Account To Whom It May Concern, I am writing to demand the immediate deletion of inaccurate and unlawful information being reported on my credit file concerning the following account : Creditor : XXXX XXXX  Partial Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Balance : {$140.00} Status : Collection / Charge-Off Remarks : Charged off as bad debt | Dispute resolved; reported by grantor This account is fraudulent and the result of identity theft. I previously submitted an identity theft report under the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ), requiring you to block this account from my credit file within four business days of receiving my identity theft documentation.

Despite my proper notice and prior dispute, this account has now reappeared on my report a second time, which is a clear violation of FCRA Section 605B and your obligation to block and not reinsert such information. Re-reporting an account that was blocked for identity theft is unlawful and shows a willful disregard of your compliance duties. 
In addition to violating FCRA Section 605B, this account also suffers from multiple Metro 2 data reporting violations, including : Conflicting status and remarks : Collection / Charge-Off while also stating Dispute resolved, which is contradictory and misleading.

Inconsistent balance reporting : An unexplained reduction from {$220.00} to {$140.00} with no verified payment history.

Outdated and conflicting dates : The accounts last payment date and report date are inconsistent and misleading, which may cause illegal re-aging.

Demand for Immediate Action Accordingly, I demand that you : 1 Permanently block and delete this account from my credit file immediately as required under FCRA 605B.

2 Investigate and provide me with a written statement confirming this identity theft information has been fully removed and will not reappear.

3 Notify XXXX XXXX and any other furnishers that they must cease reporting this fraudulent account. 
4 Provide me with a new copy of my credit report showing the deletion.

Failure to comply with these clear statutory obligations will leave me no choice but to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and pursue all legal remedies for damages for willful noncompliance. 
Enclosures : Copy of my government-issued ID Copy of proof of address Copy of prior identity theft report 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 non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am contacting you to dispute an account listed on my credit report that is completely unknown to me. I have never opened, used, applied for, or had any association with this account and I have no idea why its showing up under my name. 

This appears to be a case of mixed or merged credit data, and its absolutely unacceptable. Whatever the cause clerical error, misreporting, or file mix-up the fact remains : this account is not mine and it should not be on my report.

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 2025-06-17 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: NY

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 2025-06-17 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: TX

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I have a Comenity Bank XXXX through XXXX. They manipulated me just now over the phone .. glad they are on a recorded line so you can listen for yourself. This started back in XXXX after I got a fee because their website payment processing was not working. I had contacted them over messages letting them know this issue and they were not resolving my issue and charged me a fee for being late. After going back and forth with them on messages for a month about this because I never have time to make phone calls I always have screaming children around me- it was now XXXX payment due. I made the payment on my due date and planned on continuing to attempt to resolve XXXX 's issue over messages. Then I saw that they charged me a few for me paying after XXXX XXXX  on my due date. That set me over my edge to be honest and now I am messaging them about that issue as well. Their communication on messages is awful and they don't really read what you are saying to them. So I finally had a chance today to make a phone call to them knowing I was going to have to do this whole back and forth all over again but hoping it will get resolved quicker since I can talk to someone. Wrong. I was manipulated on this call and I have never experienced this type of treatment from a financial institution.. EVER. They said they were not even going to attempt to refund the XXXX despite the issues I had when attempting my payment and that they would refund me the fee in XXXX ONLY if I do not close my credit card account. They said if I close my credit card account then the fee refund balance will be added back to my account. They would not just refund the fee because that I what was right.. no. They are doing it so I don't close my account and nothing else. I asked to speak with a manager and manager was less helpful than the first woman I spoke with and refused to help me with XXXX and repeated once again that I would only get XXXX refunded if I don't close my account and if I close I won't get the refund. I asked to speak with someone above her and she said there wasn't anyone I could speak with. So that's why I am here. I was backed into a corner. I don't know if I should seek legal action about the manipulation or not. If you want proof of call logs, messages I had with them back and forth, transaction history please let me know would be happy to provide. You have my full permission to pull that phone call I just got off of.

Company response to consumer: Closed with monetary relief