vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Hi there, I have an excellent payment history on all of my accounts across the board on my credit report, I kept seeing this XXXX XXXX XXXXXXXX as a possible delinquent account, but I thought its not possible as Ive made all my payments on time. I took out a loan with them over a year ago and paid a substantial amount down then they notified me that they were no longer allowed to do business in Washington state and told me I could continue making the payments as I have, theres been no delinquencies at all however, they put a note on my credit report saying that they suspended my credit and its reported as a terrible mark on my credit score. Its made my credit score drop over XXXX points its prevented me from getting housing and other credit. Im really disappointed with this company and its seems like its against the law to report incorrectly like this especially as Ive been making all of my payments on time Im reaching out to your organization as the last chance for them to fix this matter, and report it correctly that they closed the account because theyre not allowed to do business in Washington state probably because of poor practices. It should be listed as a excellent payment history and shouldnt say that it was suspended due to nonpayment. I am seeking legal council regarding this matter unless it is fixed.

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 2025-12-10 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: WA

Complaint narrative:
Hi there, I have an excellent payment history on all of my accounts across the board on my credit report, I kept seeing this XXXX XXXX XXXXXXXX as a possible delinquent account, but I thought its not possible as Ive made all my payments on time. I took out a loan with them over a year ago and paid a substantial amount down then they notified me that they were no longer allowed to do business in Washington state and told me I could continue making the payments as I have, theres been no delinquencies at all however, they put a note on my credit report saying that they suspended my credit and its reported as a terrible mark on my credit score. Its made my credit score drop over XXXX points its prevented me from getting housing and other credit. Im really disappointed with this company and its seems like its against the law to report incorrectly like this especially as Ive been making all of my payments on time Im reaching out to your organization as the last chance for them to fix this matter, and report it correctly that they closed the account because theyre not allowed to do business in Washington state probably because of poor practices. It should be listed as a excellent payment history and shouldnt say that it was suspended due to nonpayment. I am seeking legal council regarding this matter unless it is fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am filing a dispute against the three credit bureaus ( Experian, Equifax, and TransUnion ) because they are reporting incorrect names, addresses, and personal information that do not belong to me.

Experian and TransUnion are also not reporting the last four digits of my SSN correctly, which affects proper identity matching.

I am sending my disputes to all three bureaus with copies of my passport, proof of address, and SSN. I am requesting CFPB assistance to ensure correction of these inaccuracies under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am filing a dispute against the three credit bureaus ( Experian, Equifax, and TransUnion ) because they are reporting incorrect names, addresses, and personal information that do not belong to me.

Experian and TransUnion are also not reporting the last four digits of my SSN correctly, which affects proper identity matching.

I am sending my disputes to all three bureaus with copies of my passport, proof of address, and SSN. I am requesting CFPB assistance to ensure correction of these inaccuracies under the 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 2025-12-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Solar Mosaic LLC
State: FL

Complaint narrative:
My solar project contract with XXXX XXXX was signed on XXXX canceled on XX/XX/year> due to my roof being to old, No installation was done. XXXX XXXX has not returned the funded loan money to XXXX. 
XXXX  is attempting to make me pay for a project that was never delivered. starting first payment on XX/XX/XXXX XXXX have emailed multiple times to both companies with no clear resolution. 

Under the FTC Holder Rule, the lender is legally responsible for claims and defenses I have against the seller, including non-performance. 
I have disputed the loan and requested a freeze, but Mosaic has not paused the account. 

I am requesting : Account freeze No payments No negative credit reporting Investigation into the contractor Loan correction/cancellation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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.

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 2025-12-10 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: MO

Complaint narrative:
Experian is doing sham investigation not doing there job and investigating on certain debt on my report XXXX XXXX for XXXX and for XXXX there investigation takes a hour to 1 day and said it was verified i know the debt wasn't verified the accounts should been deleted a long time ago and another account that they said was verified I know it wasn't was XXXX  for the amount of XXXX and XXXX all accounts was fraudulent open can't verified through debt collector I ask for these accounts be deleted from 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 2025-12-10 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: MD

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: CT

Complaint narrative:
I have no connection to this account, and it is appearing on my report due to an inaccurate reporting error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have no connection to this account, and it is appearing on my report due to an inaccurate reporting error.

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 2025-12-10 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
My identity was stolen and the hard inquiries wont be removed from my credit report my information has been illegally used for reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: VA

Complaint narrative:
The information is incorrect and I had demanded removal immediately and investigation within 30 days along with conducting a full investigation as to the incorrect information and contact information. I have yet to receive a response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: MN

Complaint narrative:
I am submitting this formal complaint against LexisNexis Risk Solutions for their repeated failure to correct and delete inaccurate information in my consumer file, despite multiple requests made in XXXX and again in XX/XX/XXXX. 

LexisNexis has falsely reported that I had a convicted XXXX " substance violation. This claim is entirely incorrect. In XXXX, I provided LexisNexis with a certified copy of my XXXX record, which clearly shows no such violation. Nevertheless, LexisNexis continues to publish this erroneous information. 

This false reporting has had severe consequences, including significantly increasing my insurance rates. Furthermore, LexisNexis has denied me access to my complete file, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), which guarantees consumers the right to access and dispute inaccurate information in their credit and consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XXXX XXXX, I accidentally sent {$130.00} and XX/XX/XXXX sent {$1400.00} via XXXX to the wrong recipient. The recipient has the same first name ( XXXX ) but is not the person I intended. 

I immediately contacted Wells Fargo both in-branch and via their customer service phone line to request assistance in recovering the funds. Despite my efforts, the bank refused to help. 

I also tried contacting the recipient directly, but they refused to return the money and accused me of being a scammer. 

I am submitting this complaint to request assistance in recovering my mistaken payment.

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 2025-12-10 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: LA

Complaint narrative:
I am following up regarding multiple unresolved disputes on my credit reports, which continue to contain unauthorized inquiries, inaccurate account information, and misleading or conflicting reporting that violate my rights under the FCRA and FDCPA. My reports include numerous unauthorized XXXX  inquiries, such as Stellantis on XX/XX/XXXXXXXX XXXX XXXX on multiple dates, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and others, many of which are duplicates or misattributed, with no permissible purpose, in violation of FCRA 604 ( a ), 605 ( a ), and 611. In addition, several accounts are reported inaccurately : my XXXX  account ending XXXX shows a XXXX late payment on XX/XX/XXXX despite timely payment ; my XXXX XXXX account ending XXXX shows a XXXX late status inconsistent with my confirmed last payment on XX/XX/XXXX ; my XXXX account ending XXXX is listed as a Collection/Charge-Off while still appearing structurally open ; my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account shows late payments despite being fully closed and paid ; my XXXX XXXX XXXX repossession account is reported without proper verification or documentation ; my XXXX account ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX  shows multiple late payments despite consistent and timely payments between XX/XX/XXXX and XX/XX/XXXX ; and my charge-offs and collection accounts from XXXX  XXXX, XXXX XXXX, XXXX  XXXX, and XXXX XXXX XXXX XXXX contain conflicting balances, missing or inaccurate dates of first delinquency, and lack proper validation , violating FCRA 605 ( a ), 605 ( c ), 607 ( b ), 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), 623 ( a ) ( 5 ), 623 ( b ) and FDCPA 807809. Despite my prior disputes and submission of documentation, these errors remain uncorrected, misrepresent my payment history, harm my creditworthiness, and create ongoing financial obstacles.

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 2025-12-10 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: FL

Complaint narrative:
Experian verified an XXXX XXXX charged-off account without providing any of the source documentation required under FCRA 609 ( a ) ( 1 ). I requested the original contract, billing statements, account history, and any documents used to verify the information.

Experian marked the account as verified without providing any explanation of the method of verification, source of the information, or the documents reviewed. This violates FCRA 611 ( a ) ( 6 ) and 611 ( a ) ( 7 ). 

XXXX reporting contains inconsistent charge-off dates, missing payment history, missing date of first delinquency, and incomplete XXXX fields XXXX XXXX has not provided validation or documentation demonstrating the accuracy of the reporting. 

This information appears unverifiable, yet both parties continue to furnish it.

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 2025-12-10 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I emphatically deny giving permission for this inquiry, and I have no record of contacting the lender on the date listed. This makes the inquiry unauthorized. Therefore, I am formally asking that you remove this inquiry from my credit file immediately, and confirm that it has been deleted once 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 2025-12-10 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: TX

Complaint narrative:
I was trying to to purchase a car and realized that I had damages on my report according to the 15 U.S.C 1681 there shouldnt be any damages on my report its a defamation to my character

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: JDJ Investments, INC.
State: LA

Complaint narrative:
Subject : Formal Complaint & Request for Investigation CBS COLLECTIONS Reporting Inaccuracy To Whom It May Concern : I am filing this complaint regarding an account being reported by CBS COLLECTIONS ( Account No. XXXXXXXX XXXX XXXX  ) on my credit report. I believe this account is being reported inaccurately and incompletely in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

The following issues require investigation : XXXX. The debt has not been properly validated. 
I have not received any original documentation from CBS Collections proving that I owe this balance, the contractual agreement, or an itemized breakdown of the charges. 
XXXX. There are inconsistencies in the furnished information. 
The account is reported as an Open Account and Placed for XXXX at the same time. 
There is no proof of ownership by CBS Collections or verification from the original creditor, XXXX XXXX XXXX XXXX. 
No supporting documentation has been provided showing how the balance of {$81.00} was calculated. 
XXXX. The account may be inaccurately aged or improperly updated. 
The Date Updated of XX/XX/year> and the projected removal date of XXXX raise concerns about improper re-aging, which is prohibited under FCRA 623. 

Because CBS Collections is reporting information that appears incomplete, unverifiable, or inaccurate, I am requesting that the CFPB conduct a full investigation into this matter and require CBS Collections to : Provide complete validation of the alleged debt, including original signed documentation, itemized charges, and proof of ownership OR Delete the account from all credit bureaus if they can not fully verify it within required timelines. 

I am also requesting that the furnisher and any credit reporting agencies involved correct or remove any information that can not be verified according to federal law. 

Thank you for your attention to this matter. I am requesting written confirmation of the results of this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation
State: NC

Complaint narrative:
On XX/XX/year>, I made a purchase from XXXX XXXX XXXX for {$550.00} ( Order No. XXXX ). The merchant admitted they did NOT have the part and told me I would receive a full refund on XX/XX/year>. The refund was never issued. This is a clear case of merchandise not received and a promised refund that the merchant failed to provide. 

I attempted to file a billing error dispute under the Fair Credit Billing Act with Aspire Credit Card on XXXX separate calls. My online Aspire portal is showing no transactions at all, and I asked representatives to manually locate the charge for the purpose of opening a dispute. Instead of complying, BOTH representatives disconnected the call when I requested a dispute reference number. 

Aspire refused to : Open the required XXXX billing error dispute Provide a dispute reference number Remove the disputed amount from my balance Protect me from late fees and negative credit reporting Allow me to dispute the charge online or by phone This is a violation of the Fair Credit Billing Act and my dispute rights. I am requesting immediate regulatory intervention to force Aspire to open the dispute, remove the {$550.00} from my balance during the investigation, and provide written confirmation of the dispute as required by law. 

Timeline : Purchase Date : XX/XX/year> Refund Due Date ( Not Received ) : XX/XX/year> Calls to Aspire : XX/XX/XXXX and XX/XX/year> Issue : Aspire agents hung up on me both times when I requested the legally required dispute information. 

I am requesting immediate correction and compliance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation