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

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: NC

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Sunbit, Inc.
State: MI

Complaint narrative:
This is in reference to your response dated regarding XXXX XXXX XXXX. XXXX and XXXX. 

While I acknowledge your reply, I must respectfully disagree with your continued reporting of the alleged late payments. Please note the following : Legal Grounds for Dispute and Correction FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must not report information they know or have reasonable cause to believe is inaccurate. You failed to demonstrate verifiable billing records proving timely notice of payment due.

15 U.S. Code 1666b ( Truth in Lending Act ) Creditors must provide periodic statements at least 21 days before the payment due date before assessing a late fee or reporting a late payment. You did not provide evidence that this legal condition was met.

FCRA 1681i Upon my dispute, if the information can not be verified through investigation, it must be deleted from the credit file. Your response did not include any supporting documents or proof of compliance with 1666b.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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:
Despite my repeated and persistent efforts to resolve the presence of fraudulent, inaccurate, and misleading information on my consumer report, these critical issues continue to remain unresolved without proper corrective action. The ongoing inclusion of these unauthorized and false items has profoundly disrupted my life, creating substantial stress, XXXX, and financial hardship that affects my daily well-being and future prospects. I must emphasize that I never authorized, consented to, or provided permission for the association of this fraudulent information with my personal identity, as I am a documented victim of identity theft. These false entries continue to damage my credit reputation and prevent me from accessing legitimate financial opportunities and services that should rightfully be available to me.

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

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: TX

Complaint narrative:
Despite my repeated and persistent efforts to resolve the presence of fraudulent, inaccurate, and misleading information on my consumer report, these critical issues continue to remain unresolved without proper corrective action. The ongoing inclusion of these unauthorized and false items has profoundly disrupted my life, creating substantial stress, anxiety, and financial hardship that affects my daily well-being and future prospects. I must emphasize that I never authorized, consented to, or provided permission for the association of this fraudulent information with my personal identity, as I am a documented victim of identity theft. These false entries continue to damage my credit reputation and prevent me from accessing legitimate financial opportunities and services that should rightfully be available to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: MA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: FL

Complaint narrative:
I was affected by a recent data breach, and unauthorized accounts have shown up on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$350.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$470.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$950.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$470.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$49.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$240.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} BANKRUPTCY - Account Number : XXXXXXXX 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 XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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:
As someone who consistently adheres to payment schedules, I was surprised to discover a late payment notation on my account. This appears to be an error, and I would appreciate your prompt attention to rectify it and update my records accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am writing to formally request debt validation regarding an account listed as being in collection. This request is being made in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and other applicable consumer protection laws. The details of the disputed debt are as follows : Creditor Name : [ Name of the creditor or collection agency ] Account Number : [ Account number associated with the debt ] Amount of Debt : [ The amount that is listed ] Date of Account Opened or Defaulted : [ Date of default or opening of account ] I respectfully request that you provide documentation proving the validity of this debt, including but not limited to : The original signed contract or agreement that demonstrates my responsibility for this debt.

A detailed breakdown of the total amount owed, including interest, fees, and any other charges.

Proof that the creditor or debt collector has the legal right to collect this debt.

A copy of any judgment, if applicable.

Any additional supporting documentation related to the original creditor or the transfer of the debt to your agency.

Under the Fair Debt Collection Practices Act, you are required to cease collection activities until this debt has been properly validated. If you are unable to provide sufficient proof of the debt, I request that you immediately remove the collection account from my credit report and discontinue any further collection efforts.

Please provide the requested documentation within 30 days of receipt of this letter, as mandated by federal law. If you fail to do so, I will consider the debt invalid and will dispute the account with the credit reporting agencies.

I also request that any communication regarding this matter be made in writing. Please send all correspondence to the address listed above.

Thank you for your attention to this matter. I look forward to your prompt response.

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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 have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: LA

Complaint narrative:
It says I owe XXXX my lease ended and they were still charging as if I was still in the apartment I tried to contact the property no response through email, text or mail

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

Complaint narrative:
It is distressing to see an incorrect late payment on my account, particularly given my consistent adherence to payment deadlines. This mistake is causing undue XXXX  and I respectfully ask that you rectify this issue by updating my records accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: VA

Complaint narrative:
I was sold a solar energy system by XXXX XXXX XXXX XXXXXX/XX/year>, which was financed through GoodLeap XX/XX/year>. During the sales process, we were explicitly told that a 30 % federal solar incentive ( the Investment Tax Credit ) would be automatically applied to reduce our GoodLeap loan balance. This was presented as a guaranteed loan offset a key reason we moved forward with the purchase. 

After installation, we discovered this was not true. The 30 % tax credit/incentive that was heavily emphasized during the sales process is no longer available. This critical detail was never disclosed to us. We were led to believe the incentive was guaranteed and would be applied to reduce the loan balance when in fact, it doesnt exist. As a result, we are now fully responsible for the entire loan amount under completely different terms than what we agreed to. 

Additionally, we were told a backup battery would not be needed right away, but in reality, the system is underperforming and weve seen no net savings in fact, our energy bills are higher than they were before installing solar. 

This was a case of misrepresentation and high-pressure sales tactics that led to us entering into a financial agreement under false pretenses. I feel deceived and financially burdened by a product that was not honestly presented.

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

Complaint narrative:
I am a victim of identity theft. Multiple accounts were opened in my name without my knowledge or consent. These fraudulent accounts have negatively affected my credit and do not belong to me. 

I have submitted an FTC Identity Theft Report, which is attached to this complaint. I am requesting that all accounts listed in the report be removed under FCRA Section 605B. These accounts were opened fraudulently and must be permanently deleted from my credit file. 

Accounts affected : XXXX Opened XX/XX/XXXX Account # XXXX XXXX XXXX Opened XX/XX/XXXX Account # XXXX XXXX XXXX Opened XX/XX/XXXX Account # XXXX XXXX XXXX Opened XX/XX/XXXX Account # XXXX Balance : {$4000.00} XXXX XXXX XXXX  Opened XX/XX/XXXX Account # XXXX Balance : {$3600.00} I request these accounts be blocked and deleted permanently. Please investigate and confirm removal per FCRA regulations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: NJ

Complaint narrative:
I am a victim of identity theft. Multiple accounts were opened in my name without my knowledge or consent. These fraudulent accounts have negatively affected my credit and do not belong to me. 

I have submitted an FTC Identity Theft Report, which is attached to this complaint. I am requesting that all accounts listed in the report be removed under FCRA Section 605B. These accounts were opened fraudulently and must be permanently deleted from my credit file. 

Accounts affected : XXXX Opened XX/XX/XXXX Account # XXXX XXXX XXXX Opened XX/XX/XXXX Account # XXXX XXXX XXXX Opened XX/XX/XXXX Account # XXXX XXXX XXXX Opened XX/XX/XXXX Account # XXXX Balance : {$4000.00} XXXX XXXX XXXX  Opened XX/XX/XXXX Account # XXXX Balance : {$3600.00} I request these accounts be blocked and deleted permanently. Please investigate and confirm removal per FCRA regulations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I submitted a Qualified Written Request ( QWR ) under RESPA to Newrez LLC via certified mail. USPS confirmed it was received on XX/XX/year>. 

The QWR outlined a discrepancy involving my escrow account, specifically title fees that were paid out of escrow but were already rolled into my loan at closing. I requested a full loan and escrow review, along with documentation and a breakdown. 

Newrez failed to respond within the required 5 business days with an acknowledgment and did not provide a substantive response within 30 business days, as required under RESPA ( 12 U.S.C. 2605 ( e ) ).

I prepared a follow-up Final Notice letter for XX/XX/year>, but did not send it because that same day Newrez replied again with the same generic message Ive received multiple times : We have your information and will get back to you as soon as possible. 

That message has been repeated, yet no resolution or documentation has been provided. 

I am requesting that the CFPB hold Newrez LLC accountable for RESPA non-compliance and repeated delays. I have also incurred out-of-pocket costs mailing my QWR with certified and priority shipping to ensure legal compliance on my end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation