vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 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: CA

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING 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 non-monetary relief
Consumer complaint received 2025-09-12 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 am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: CO

Complaint narrative:
Please remove the fraudulent and suspicious 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 explanation
Consumer complaint received 2025-09-12 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Ive reach out to them about money being taking out my account in different states I live in Nc

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 2025-09-12 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXX Subject : Formal Dispute of Inaccurate Credit Reporting under the FCRA To Whom It May Concern, I am writing to dispute the accuracy of the information being reported on my Experian credit file regarding the account listed below. This information is inaccurate and unverifiable and must be corrected or deleted pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

Creditor Name : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status Reported : Charged off, {$1300.00} past due as of XX/XX/XXXX Basis of Dispute : The reported balance of {$1300.00} and charge-off status are not accurate and do not match my records. 

The account type is listed as a business card but is being reported under my personal credit, which is misleading and inconsistent. 

The dates and account history appear inconsistent and have not been properly verified by the furnisher. 

Under the FCRA, Experian is required to : Conduct a reasonable reinvestigation of this account, Verify the accuracy directly with the furnisher, and Delete or correct any information that can not be verified.

Please complete your reinvestigation within 30 days and provide me with written confirmation of the results, along with an updated copy of my credit report. If the furnisher can not fully verify this information, you must remove it.

Thank you for your prompt attention to this matter. 

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 2025-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I keep receiving letters from a company who says they're American Express, and it looks legit. They've been offering for a long time to accept a highly discounted one-time payment from me for a very old, outstanding balance. When I called today they asked me to confirm the last 4 digits of my SSN. They do have valid information as to my amount owed, but when I was transferred ( which took at least a minute or two while I was on hold ) another XXXX XXXXsounding man started asking me to confirm my home address and even knew which bank account I used to pay past payments. I asked why I was't able to take advantage of this online and he said " let me check. '' Either way, I hung up on him because it seemed fake. When I search the phone number they asked me to call, it seems it may be fraudulent. This number is ( XXXX ) XXXX which does not come up to AMEX anywhere online. The first three results say : FIRST : XXXX belongs to XXXX XXXX XXXX.. They are a legitimate debt collection agency that works on behalf of creditors to recover outstanding debts. 

SECOND : It's a scam. They keep calling saying they're Amex. They're good. I confirmed a lot of public record information but hung up once they asked for bank and... 

THIRD : XXXXXXXX XXXX XXXX XXXX Scammers Other Fake AMEX scam from XXXX ( XXXX ) XXXX - Other XX/XX/year> This number belongs to XXXX XXXX in XXXX, XXXX XXXX XXXX has a very long history of deceit. Such as spoofing and claiming to...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing fraudulent accounts currently listed on my credit report. These accounts were never opened, authorized, or maintained by me. Their presence is inaccurate, misleading, and harmful, creating a false representation of my credit history and negatively impacting my financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AE

Complaint narrative:
My identity was stolen and someone signed up for a credit card in my name. After resolving the issue with the credit card company, I attempted to place a freeze on my Experian credit report. I was able to do this easily with both XXXX XXXX and XXXX. However, it was impossible to add a credit freeze with Experian as I am XXXX XXXX military, and only have an XXXX  address, which can not be entered in their online credit freeze application. When I attempted to call and resolve this issue it was impossible for me to speak to a live agent or otherwise add this freeze over the phone.

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 2025-09-12 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: CBC Companies, Inc.
State: IL

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 explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
I previously filed CFPB Complaint # XXXX regarding this alleged XXXX debt . On [ insert date of your original complaint or validation request ], I submitted a formal Debt Validation Request pursuant to FDCPA 809 ( b ), 15 U.S.C. 1692g.

More than 30 days have passed, and I have not received the legally required validation by mail. The company continues to report this account to the credit bureaus despite failing to provide : A copy of the original signed contract or agreement, A full itemized statement of the alleged debt from inception to present, and Proof of assignment or authorization to collect.

This is a violation of FDCPA 809 ( b ) ( failure to cease collection pending validation ) and FCRA 611 ( furnishing unverified information ). I am requesting that this account be deleted from all credit bureaus as unverified and that the company cease all further collection activity until proper validation is provided.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-09-12 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: NV

Complaint narrative:
Dear CFPB, I am filing this complaint because the nationwide consumer reporting agencies ( Experian, TransUnion, and Equifax ) have failed to delete or correct inaccurate and/or unverifiable information on my credit reports despite several dispute letters I sent via Certified Mail with proper identification and documentation. Their responses relied on cursory verifications, did not provide the required Method of Verification, and did not address the specific reporting and XXXX XXXX compliance defects I identified. 
Accounts in Dispute ( appearing on my reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/year>2025, I was deceived into sending a XXXX payment of {$100.00} from my PNC account to an individual named XXXX XXXX XXXX ( email : XXXX, phone number XXXX ). The recipient misrepresented themselves as a landlord for a property listing and tricked me into believing I was sending money for a legitimate purpose. This was a scam. 

I immediately reported the transaction to my bank and requested reimbursement. However, my bank denied my claim, stating that because I authorized the payment, it is not covered. This ignores the fact that the payment was the result of fraud and deception, which falls under the protections of the Electronic Fund Transfer Act ( Regulation E ).

I am requesting that the CFPB investigate and require PNC to properly review this dispute as fraud and provide reimbursement for the funds lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-12 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:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Sunnova Energy Corporation
State: FL

Complaint narrative:
Sunnova has failed to address my service issues and other complaints along with disregarding my complaint I filed with the CFPB and sent to Sunnova directly by certified mail : Complaint XXXX Sunnova still has not responded to this complaint other than sending an email with the following details below. Sunnova continues to report my account negatively after failing to respond and service my account as agreed upon in the terms of our agreement. The have breached their contract with me and continue to report negatively impacting my credit file. 

From : Sunnova Energy Corporation XXXX To : " XXXX '' XXXX Sent : Tuesday, XX/XX/year>2025 at XXXX XXXX  EDT Subject : Important Update Regarding your Sunnova Account System ID : XXXX | Login to Sunnova Dear XXXX, We are writing to share an important update regarding your solar system. On XX/XX/year>2025, Sunnova completed a transaction to sell substantially all of its assets and business operations to a new ownership group. You can read more about this announcement here. 

As part of the sale transaction, SunStrong Management, LLC ( XXXX ), an experienced full-service asset manager for the renewables industry, has been retained as servicer for your system to ensure continuity of operations and customer support.

What this means for you No action is required on your part.

For now, Sunnova will continue to manage your account. Over time, your servicing will transition to SunStrong, who will become your new point of contact for servicing and payments.

You should continue to make payments through the existing process as usual.

You can continue to log in to the customer portal for system performance, account management, and service requests.

SunStrong is committed to supporting the continued performance of your system and providing reliable customer support for your solar and/or storage systems as we move forward together.

To reiterate, you do not need to take any action at this time. Customers will be notified directly of any future changes that may affect your billing, service, or support. Additional information about this transition can be found at sunnova.com/lp/our-future.

Sincerely, Customer Service Sunnova trademark 2025 Sunnova Energy Corporation. All rights reserved. 
XXXX XXXX XXXX, XXXX XXXX | XXXX, TX XXXX XXXX View in browser | Contact Us | Licensing | Manage subscription | Privacy Policy | Licensing | Lender Licensing

Company response to consumer: Untimely response
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MARINER FINANCE, LLC
State: MD

Complaint narrative:
Mariner Finance ( Act. # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) is reporting inconsistent and inaccurate information across all three credit bureaus. The account is listed as closed on XX/XX/scrub>/2021, with a reported high balance of {$7100.00}, yet shows different balances and statuses on each bureau : XXXX  : Balance {$12000.00}, 0 late payments XXXX  : Balance {$12000.00}, 44 late payments, charge-off status XXXX  : Balance {$12000.00}, 5 late payments, charge-off status This reporting is contradictory and inaccurate. A closed account can not legitimately reflect different balances and payment histories across credit bureaus. The inconsistent data is misleading, damaging my credit, and violates the Fair Credit Reporting Act ( FCRA ), which requires furnishers to provide complete and accurate information to all reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
My loan was XXXX in XX/XX/year> as part of a lawsuit against XXXX University. During the pandemic I had taken money from my XXXX to pay off XXXX of the XXXX student loans with XXXX now Aidvantage because things were so uncertain during the pandemic. I also made a few small payments to the other loan even while it was in forebearance due to the pandemic. 

I have reached out repeatedly to inquire about getting my money back- over $ XXXX which is showing as a credit on my account, and I keep getting the run around from Aidvantage pointing fingers to the dept of education and the dept of education saying Aidvantage hasn't processed the release yet. It is almost 9 months now that I have been waiting for my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Dear Sir or Madam : I previously disputed items which you verified as accurate. 

Please provide me with your method of verification or I am going to file a complaint against your company with the CFPB. Specifically, provide me with the following information in accordance with the FCRA : Copies of any documents you used to make your decision, including electronic correspondence of all types A copy of all information you sent to the data furnisher during your investigation, including transcripts of all telephonic conversations and any information you received from the data furnisher The name, job title and contact information of the individual ( s ) you contacted at the data furnisher The name, job title and contact information of all employees within your organization who played any part in handling this dispute Obviously your continued reporting of this inaccurate information is causing me financial XXXX. 

Please provide me with the above information and delete these accounts from your report immediately. 

If I have not heard from you within 30 days from the date you receive this certified letter I will be filing a complaint against you, initiating other legal action, or both. 

Thank you in advance for your help in correcting these errors.

Company response to consumer: Closed with explanation