vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Radius Global Solutions LLC
State: MD

Complaint narrative:
Upon reviewing all three of my credit reports online, I was troubled to find discrepancies, particularly concerning the account listed below. As per my research on the Federal Trade Commission ( FTC ) website, I am aware of the stringent policies governing the reporting of consumer data, mandating XXXX  % accuracy from furnishers. 

XXXX XXXX  - Reason : Under 15 U.S.C. 1681i Paragraph ( XXXX ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete. 
Instruction : This is a violation of my consumer rights, please delete immediately. 

I am hereby requesting comprehensive proof demonstrating the XXXX  % accuracy of your reporting regarding the aforementioned account. Generic printouts or billing statements will not suffice. I require a detailed breakdown that unequivocally confirms compliance with my rights under the Fair Credit Reporting Act ( FCRA ). 
The monthly reporting of this item has impeded my ability to secure credit and has inflicted ongoing stress upon my family. Under the FCRA, any furnisher found willfully reporting inaccurate information without taking remedial action may be subject to fines of {$1000.00} per violation. 

Please take heed of this 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 non-monetary relief
Consumer complaint received 2025-04-08 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: IN

Complaint narrative:
Experian never truly verified the XXXX account on my credit report. Per federal law should have been deleted a year ago. I've been fighting this for over a year. And all is Experian does is quickly says has been verified. Which is illegal and not following federal law. This needs to be deleted immediately.

The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681-1681x ) requires credit reporting agencies to disclose all information in your file upon request, and to provide a clear explanation of the verification process, and to ensure the accuracy and fairness of the information they report.

THIS NEEDS TO BE DELETED IMMEDIATELY THEY ARE NOT FOLLOWING FEDERAL LAW AND NEED TO BE HELD ACCOUNTABLE. WHICH HAS GROUNDS OF A LAWSUIT PER FEDERAL LAW

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 2025-04-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: FL

Complaint narrative:
I am disputing a debt being collected by XXXX XXXX XXXX for an apartment I previously leased at XXXX XXXX XXXX XXXX XXXXXXXX in XXXXXXXX XXXX. While I received a response from XXXX on XX/XX/year>, the information provided was incomplete and failed to address the full extent of my dispute. 

Several key issues remain unresolved : Incorrect Address : Notices and billing statements were sent to an address I have never lived at ( XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX ), which denied me proper notification and a fair opportunity to dispute. 

Unsupported Charges : Over {$600.00} in alleged damage and cleaning fees were charged, yet no photos, invoices, or inspection reports have been provided despite my formal written requests. 

XXXX XXXX Violated : The lease agreement ( XXXX  XXXX ) states that such charges must be justified and applicable. Without documentation, the charges are unsubstantiated.

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 2025-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: TX

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 XXXX XXXX XXXX XXXX. 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 XXXX of the Fair Credit Reporting Act.

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 2025-04-08 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: WI

Complaint narrative:
XXXX XXXX has shown up as the original creditor on two fraudulent accounts that have since been removed, however they are back again under another name : XXXX XXXX XXXX. I have not entered any contract with them nor done business or anything, never even heard of them. My information is being illegally used and sold, and I reached out before now this is me reaching out again. It is the job of the credit bureaus to ensure maximum accuracy before reporting per 15 USC 1681e ( b ) and i expect this to be handled immediately and a note be placed that if any collection shows up with " XXXX XXXX  '' as the original creditor it be flagged as fraudulent or investigated deeper. This is my third time addressing this issue, the next time will result in legal action which will only guarantee legal fees. i have also already submitted an ftc report for the previous collection XXXX XXXX XXXX which is the same " XXXX XXXX ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the 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 the 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. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this 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 2025-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
The company put a collection on my credit report without notifying me or giving me the opportunity to dispute settle pay for this debt they did not contact me in writing or by phone or by email letting me know my options this is illegal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian never truly verified the XXXX account on my credit report. Per federal law should have been deleted a year ago. I've been fighting this for over a year. And all is Experian does is quickly says has been verified. Which is illegal and not following federal law. This needs to be deleted immediately.

The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681-1681x ) requires credit reporting agencies to disclose all information in your file upon request, and to provide a clear explanation of the verification process, and to ensure the accuracy and fairness of the information they report.

THIS NEEDS TO BE DELETED IMMEDIATELY THEY ARE NOT FOLLOWING FEDERAL LAW AND NEED TO BE HELD ACCOUNTABLE. WHICH HAS GROUNDS OF A LAWSUIT PER FEDERAL LAW

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 2025-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, everything was working fine. 
Between XX/XX/XXXX and XX/XX/XXXX I was travelling abroad and tried to access the account online. It locked my access. 
On XX/XX/XXXX, back in the US, I tried to access the account and was informed it was locked and I need to reset password. I went through the reset password informing full card number, XXXX, and last XXXX of XXXX. It shows an error that information doesn't match, despite being correct. 
I called customer service and was given an unexpected reason. They say because I closed checking account ( that was XX/XX/XXXX ), I need to fully re-register online, with a different username. That does not make any sense, because my online access has been working after I closed the checking account. The only issue is that I tried to access while abroad, and now I'm unable to unlock it even providing all the correct information. 

Is Citibank online system that poorly implemented, requiring a full new registration every time a password need to be reset?

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 2025-04-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mortgage Research Center, LLC
State: IL

Complaint narrative:
XXXX XXXX refinanced my home on XX/XX/XXXX. I had informed them a month prior ( with texts to verify ) that information on the forms relating to the refinance was incorrect. They assured me everything was fine and I'd have no new surprise payments. 1 year later at the beginning of XXXX, XXXX I noticed they raised my escrow charges by XXXX XXXX Upon calling and combing through information it has come to my attention that they never fixed the insurance information. My home insurance XXXX from XXXX to XXXX in XXXX of XXXX. XXXX XXXX did not correct it for the notary and with a novels worth of documents to sign, I missed it. Part of the new additional escrow charges are related to paying my property taxes, of which I'm exempt from having to pay. They negligently fumbled the refinance by not verifying my new insurance policy and I specifically requested no taxes to be escrowed. My county hasn't even generated the tax bills yet for them to see, yet they're charging 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 2025-04-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Solar Mosaic LLC
State: FL

Complaint narrative:
Subject : Deceptive Sales Practices by Solar Mosaic Representative To Whom It May Concern, I am writing to formally report the deceptive and misleading sales tactics used by a Solar Mosaic sales representative during the sale of my solar panel system.

The representative assured me that the solar panels could be paid off using a tax refund, which they claimed I would receive shortly after installation. In reality, what they referred to was a non-refundable tax credit, not an immediate cash refund, which can not be used directly to pay off the loan as they implied.

Furthermore, I was told I would have a {$0.00} electric bill, and that my only financial obligation would be the loan repayment. This has proven to be false, as I continue to receive utility bills. The rep also claimed that excess energy would be sold back to the grid, implying additional financial benefit. However, there was no discussion of or inclusion of a storage unit or battery system, which is essential for utilizing or selling back excess energymaking that promise completely misleading.

To make matters worse, I was required to sign a document essentially stating that I was not making the purchase based on the sales representatives promises. This seems like a deliberate attempt to protect the company from accountability while allowing their reps to continue using dishonest tactics.

After experiencing these issues, I discovered dozens of other consumers have reported the same misleading information in XXXX reviews. It appears that this is not an isolated incident but part of a broader pattern of misrepresentation by Solar Mosaic sales agents.

I urge you to investigate these practices immediately and take appropriate action to protect current and future customers. Consumers deserve transparency and honesty, especially when making such a significant financial commitment. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
My XXXXredit score was affected due to non payment but my loans have been on deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
From : XXXX XXXX XXXX Subject : Misrepresentation of Creditor Status and XXXX XXXX XXXX Credit Acceptance Corporation XXXX XXXX XXXX Credit Acceptance Corporation ( CAC ) for misrepresenting its status as a creditor and maintaining an unauthorized lien on my personal vehicle, a XXXX XXXX XXXX ( XXXX : XXXX ), under auto finance account # XXXX. 

Although CAC was initially assigned the contract from the dealer, the company securitized this contract into an investment trust, divesting all ownership and beneficial interest. This is confirmed by XXXX XXXX own SEC filings under the XXXX XXXX XXXX XXXX XXXX 2024 series. 

Despite no longer owning the contract, XXXX continues to : Represent itself as the secured party ( creditor ), Collect payments as if it has standing, Maintain the lien on the vehicle title. 

This conduct is a deceptive practice under the FTC XXXX : It misleads consumers about who owns the debt, Obstructs the transfer of clear title, Creates potential wrongful collection or enforcement threats. 

I am requesting review this conduct and take regulatory action. 

Respectfully, 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 explanation
Consumer complaint received 2025-04-08 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: FL

Complaint narrative:
I tried contacting this company about a debt I don't owe they say I do, and I have been unsuccessful in contacting them. There isn't a working number, I am never able to speak to a real person and I have tried emailing and sending a letter as well. Now I am applying for a new refinance for my vehicle, and this is affecting my credit report negatively. Please look into this " XXXX XXXX XXXX " and investigate all the inaccuracies as per 15 USC 1681e ( b ) maintains that maximum accuracy must be displayed or otherwise deleted immediately. 
The account is listed as XXXX XXXX XXXX XXXXXXXX with a balance of {$890.00} opened in XX/XX/year>. This account is not accurate and does not meet the standards outlined in FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: FL

Complaint narrative:
I tried contacting this company about a debt I don't owe they say I do, and I have been unsuccessful in contacting them. There isn't a working number, I am never able to speak to a real person and I have tried emailing and sending a letter as well. Now I am applying for a new refinance for my vehicle, and this is affecting my credit report negatively. Please look into this " XXXX XXXX XXXX " and investigate all the inaccuracies as per 15 USC 1681e ( b ) maintains that maximum accuracy must be displayed or otherwise deleted immediately. 
The account is listed as XXXX XXXX XXXX XXXXXXXX with a balance of {$890.00} opened in XX/XX/year>. This account is not accurate and does not meet the standards outlined in FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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 2025-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I am writing to formally express my concerns regarding 3rd party credit companies handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite responding numerous times to these false allegations, and reporting discrepancies, my information has unlawfully been sent to various 3rd party companies without my consent. My disputes for the credit companies have not been removed from my credit report. My personal information has been sent to a myriad of databases, and I have been receiving endless scam calls, and my credit has severely decreased leading to being neglected and not protected, but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with non-monetary relief