vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within 4 business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing TransUnion to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once deletions are complete.

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 2025-11-18 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to XXXX  XXXX XXXX XXXX regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, XXXX  XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-18 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am submitting a follow-up complaint because XXXX investigation was not reasonable under the Fair Credit Reporting Act ( FCRA ) and their negative reporting is inaccurate. I never received proper notice of repayment or delinquency because all communications were sent to an outdated email address that I did not maintain, and XXXX provided no proof that I authorized that email as my preferred contact method. They also failed to provide any evidence of phone calls, mailed notices, or other valid outreach. Once I discovered the negative credit mark, I immediately created an account and paid the balance in full on XX/XX/year>. Their reporting is misleading and incomplete because it resulted from their failure to notify me, not from intentional nonpayment, and I am requesting a reinvestigation and correction.

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 2025-11-18 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: NJ

Complaint narrative:
I am submitting a follow-up complaint because XXXX investigation was not reasonable under the Fair Credit Reporting Act ( FCRA ) and their negative reporting is inaccurate. I never received proper notice of repayment or delinquency because all communications were sent to an outdated email address that I did not maintain, and XXXX provided no proof that I authorized that email as my preferred contact method. They also failed to provide any evidence of phone calls, mailed notices, or other valid outreach. Once I discovered the negative credit mark, I immediately created an account and paid the balance in full on XX/XX/year>. Their reporting is misleading and incomplete because it resulted from their failure to notify me, not from intentional nonpayment, and I am requesting a reinvestigation and correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am submitting a follow-up complaint because XXXX investigation was not reasonable under the Fair Credit Reporting Act ( FCRA ) and their negative reporting is inaccurate. I never received proper notice of repayment or delinquency because all communications were sent to an outdated email address that I did not maintain, and XXXX provided no proof that I authorized that email as my preferred contact method. They also failed to provide any evidence of phone calls, mailed notices, or other valid outreach. Once I discovered the negative credit mark, I immediately created an account and paid the balance in full on XX/XX/year>. Their reporting is misleading and incomplete because it resulted from their failure to notify me, not from intentional nonpayment, and I am requesting a reinvestigation and correction.

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 2025-11-18 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:
I am disputing the following accounts reported inaccurately in my credit report. The information provided may contain errors and does not reflect accurate reporting. Please review and update the accounts accordingly. 

Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Late Payments : XXXX XXXXXXXX XXXX  Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: AZ

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit 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 2025-11-18 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: TX

Complaint narrative:
Please provide me the purchase agreement showing that you own this debt that you are trying to collect from me. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX, Tx XXXX RE XXXX XXXX XXXX XXXXXXXX and XXXX XXXX IQ DATA Management Account number XXXX This letter is being sent to you in response to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC1692g Sec 809 ( b ) that your claim is disputed, and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligations to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with any copies of any papers that show I agreed to pay you what you say I owe : Provide a verification or copy of any judgement if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you if your offices have reported invalidated information to any of the XXXX major Credit BureausXXXX XXXX XXXX XXXX XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent. I will not hesitate to bring legal action against you for the following.

Violation of the Fair Credit Reporting Act.

Violation of the Fair Debt Collection Practices Act.

Defamation of Character. 

If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time ALL Collection activities must cease and desist.

Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This complaint is entirely legitimate and requires immediate attention. My credit report includes inaccurate information that does not meet the mandatory standard of maximum possible accuracy. 
These errors are causing severe and ongoing harm to my life, and I demand that they be thoroughly investigated and either corrected or deleted without any further delay.

Resolving this issue is not just necessary it is absolutely critical.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-18 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: GA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-11-18 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:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-11-18 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 affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
LVNV FUNDING LLC is violating my consumer rights.The collection agency has not provided me with debt validation.Which is ia violation of Cfr 1006.34 ( b ) ( 5 ), but still placed Collection on my consumer credit report.I havd not been given a chance to dispute account in accordance with 12 Cfr 1006.34 ( c ) ( 4 ) ( I ) .Collection is violating my consumer rights by use false, misleading, misreoresentation and deceptive means.Collection agency has no authority to furnish any accounts to a credit reporting agency without providing any and all disclosures by Law and they are in clear Violation of 12 Cfr 1006.34 ( d ) and15 USC 1681-S2 ( 7 ) ( A ) I am disputing all debts they say I owe.I am revoking all rights of communications with me by emails, calls and chats.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
I am filing a complaint against GoodLeap, LLC regarding my solar loan ( XXXX XXXX : XXXX ). The solar system on my home stopped working in XX/XX/2025, and since then, the system has remained inoperable. Despite multiple calls and service requests to both GoodLeap and XXXX XXXX, no repair, inspection, or resolution has ever been provided. 

GoodLeap continues to charge monthly loan payments for a system that is not functioning and not providing any energy. This constitutes a violation of the Truth in Lending Act ( TILA ) and unfair or deceptive practices under the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ), because the financed product is not operating as promised and no service or remedy has been provided.

On top of this, after I filed formal complaints and requested an investigation, GoodLeap sent me a threatening collection letter stating that they would send a representative to disconnect the solar system, even though the system is already non-operational. This appears to be an aggressive and improper collection attempt while the account is in active dispute.

I am requesting : Immediate suspension of all loan payments while the system is non-operational.

A formal investigation into GoodLeaps servicing practices.

Assistance requiring GoodLeap to repair the system, resolve the loan, or provide appropriate relief. 

Protection from aggressive or misleading debt collection behavior.

I have documentation showing the system failure, loan contract, statements, and the collection letter received from GoodLeap. I request urgent CFPB intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: VA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-18 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: VA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Essential Lending Inc
State: TX

Complaint narrative:
So I sent a complaint yesterday to the FTC againist Wiseloan and XXXX but the actual name of the company is XXXX XXXX XXXX. I see why they didnt want to give me their info because they were in trouble with the FTC back in XXXX. XXXXm very irrated with this company and I especially let them know that.I called today after I received another message with them threatening to serve me today. I called and spoke with XXXX and the manager XXXX. XXXX told me I took the loan out in XX/XX/XXXX of this year for {$360.00} but I signed a contract stating that I would pay {$120.00}, till XX/XX/XXXX which makes the total {$1000.00}. XXXX Wiseloan wrote it off at {$360.00}. I owe {$1000.00} per XXXX at XXXX XXXX XXXX. The manager XXXX told me that I'm not being served. He also stated to send the visual vmail message to him because that is not true. He proceeded to give me a gmail address which I found odd. And told me they would have to remove my debt from their office and send it to legal. XXXX could not get in touch with this so called server. The server did not or forgot to block her number today, I called XXXX, the server, back today and received no answer.

Company response to consumer: Closed with explanation