vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: OH

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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: MD

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: AL

Complaint narrative:
I am writing to file a dispute regarding the inaccurate information reported by the credit bureaus concerning my credit accounts. Below is a list of accounts that I believe have been inaccurately reported, separated by each credit bureau : Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, {$1100.00} XXXX, XXXX, XX/XX/XXXX, {$780.00} XXXX XXXX XXXXXXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1000.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$760.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$7100.00} Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payment : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the XXXX  data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$6300.00} Account name XXXX  XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$2200.00} Account name XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$2200.00} XXXX XXXX Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$9300.00} Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$10000.00} XXXX XXXX XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$12000.00}

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 explanation
Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within XXXX  days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within XXXX  days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within XXXX  days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within XXXX  days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: AL

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute inaccuracies in the credit information reported on my TransUnion credit report. Specifically, I am requesting an investigation into the following charged-off account : Charged-Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$1600.00}

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 2025-11-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
I financed a solar energy system through GoodLeap under a XXXX installment loan. The loan contracts show that the installation contractor, XXXX XXXX XXXX, was responsible for the systems warranty, service obligations, and workmanship guarantees. GoodLeap paid the full loan proceeds directly to XXXX at installation. 

On XX/XX/2024, XXXX XXXX XXXX filed for XXXX  XXXX bankruptcy ( Case No. XXXX ). This bankruptcy resulted in the complete termination of all XXXX warranties and service coverage. As a result, the core warranty and service components that were part of the financed purchase can no longer be provided. 

I am still paying for a financed system whose promised warranty and support were a material part of the purchase. The warranty is an add-on product/service that I paid for and that no longer exists. 

I contacted GoodLeap to dispute the loan and request that payments be paused during review, but the issue has not been resolved. I am requesting : Suspension of loan payments during investigation Review for potential loan adjustment or cancellation due to failure of consideration Written clarification of GoodLeaps policy for customers whose contractors have declared bankruptcy I have documentation showing XXXX as the contractor, GoodLeaps disbursement of loan funds directly to XXXX, and the bankruptcy notice eliminating all warranty obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
LVNV Funding LLC is trying to collect a debt that originated from XXXX XXXX Bank. What is troubling is that I have not been provided with debt validation and they seem to be trying to collect the wrong amount. 

I had 2 credit cards issued by XXXX XXXX Bank that was charged off due to illness. The credit limits were between {$600.00} and {$750.00}. 

LVNV is trying to collect {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
Please assess the materials ; the questions appeared without warning and may lack approval.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: PA

Complaint narrative:
My SSA direct deposit should have been received by Key bank between XXXX and XXXX XXXX. 
Subsequently, I received XXXX emails from Key bank telling me funds had been sent to me by XXXX XXXX in the amount of {$700.00} and by XXXX XXXX in the amount of {$1000.00}. 
I have been told by Key bank customer service personnel that both my accounts have been restricted and have not been able to access my funds or view these accounts online. 
I dont have an issue with their fraud dept. team investigation, other than being denied access. I do have a huge problem with funds from my SSA direct deposit being denied to me. 
I am currently in recovery from a para- esophageal hernia repair on XXXX XXXX. Denial of funds from my SSA account now creates a serious hardship situation for me. 
Meanwhile, Key has demanded I sign an affidavit and have the same motorized and returned to them. Without access to my own money, I do not have enough to pay a public notary in order to comply. 
I have saved the emails mentioned above and also their affidavit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: OPORTUN FINANCIAL CORPORATION
State: FL

Complaint narrative:
this account was settled and shound not be in my account after paying in full

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
b'I keep getting phone calls, my work has been called, and an uncle who I have never lived with was called. I was told to call XXXX XXXX XXXX File # XXXX. They claim to be XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They say I have an old HSBC debt from a XXXX XXXX  credit card and I am about to be sued and they will deliver the subpoena to my work. I have repeatedly asked them to send a debt validation letter and they only say that all the information will be in a docu sign when I make payment. I am unable to verify anything about this company and I do not want to pay to a scam.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: VA

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I SUBMIT A COMPLAINT EVERY YEAR. BUT " AT & T '' NOW THROUGH " IC SYSTEM DEBT COLLECTOR '' CONTINUES TO ASK ME FOR MONEY NOT OWED. IT'AS THE THIRD YEAR IN A ROW. I SUBMIT A CLAIM, THEN THEY STOP COLLING AND THEN TEHY START AGAIN A COUPLE OF MONTHS LATER. PREVIOUS CLAIM SUBMITTED AGAINST " AT & T '' AND THEN AGAINST " SUNRISE DEBT COLLECTION ''. AT & T : XXXX XXXX XXXX XXXX : XXXX THIS IS THE EMAI I SENT TO THE SPECIFIC DEPARTMENT OF XXXX XXXX XXXX  AGENCY THAT HAS TAKEN OVER THE PREVIOUS DEBT COLLECTION AGENCY FOR AT & T. I SENT THE EMAIL ON XX/XX/XXXX AND THEY STILL DID NOT ANSWER TO THIS DATE ( XX/XX/XXXX ), YET THEY KEEP ON TAKING POINTS OUT OF MY CREDIT SCORE ISSUE Attempts to collect debt not owed HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? 
Yes DID YOU REQUEST INFORMATION FROM THE COMPANY? 
Yes WHAT INFORMATION DID YOU REQUEST? 
THAT I DID NOT HAVE TO PAY ANYTHING, DID THE COMPANY PROVIDE THIS INFORMATION? 
Yes TYPE OF ISSUE Debt is not yours Complaint Print XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX # XXXX Page XXXX of XXXX ( XXXX YESTERDAY ). I FORWARDED AGAIN THE SAME LETTER ASKING THEM TO PLEASE ANSWER ME BACK. To the collectors at XXXX, I spoke on XX/XX/XXXX to your co-worker XXXX on a recorded line. In summary : I told him how frustrated I was in seeing that my credit score dropped by XXXX points on XX/XX/XXXX because " XXXX XXXX XXXX added a collection to my report ''. He told me that I could settle paying {$170.00}. The problem he said was that I did not return the equipment in time to AT & T U-VERSE. I told XXXX that I had spent numerous hours on the phone in the months following the return of my equipment on XX/XX/XXXX - receipt is attached to this email - stating that I had used the equipment in an apartment complex that had already fiber optics for ATT & T and that I had returned all the equipment in time. I also told XXXX that the previous debt agency had apologized to me for the mistake of ATT & T and appreciated all the time it took me to tell them about the details of the miscommunication. 
In fact, the previous debt collection agency stopped calling me because we had settled the dispute. This is the explanation why when the first representative of XXXX made contact with me I cut the call short saying that I had settled the dispute. Hoping that this email is really the final one in regards of this matter, I ask you to please let me know, in writing that everything is settled and if you can please erase the debt collection so I can get back those XXXX points that I sweat for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: WI

Complaint narrative:
XX/XX/year> received after a long-term credit freeze a TransUnion credit report. In this report, all names and addresses are fraudulent. This is due to a long-term identity theft I became aware of stolen accounts placed in deceased peoples ' accounts. I do know who is doing this. The University of Wisconsin is trying to help me. 

I do not know if they have any virtual financial accounts on me. The person that is responsible for this was very close to me and has all my personal identity information, including artificial intelligence authentications.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX  Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$37000.00} Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Cell Phone Date opened XX/XX/XXXX Balance {$1800.00} Account name XXXX XXXX XXXX XXXX  Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$520.00} XXXX XXXX  Account number XXXX Account type Medical Date opened XX/XX/XXXX Balance {$7500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: SC

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 would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuection 605B of the Fair Credit Reporant to sting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: CO

Complaint narrative:
Can you audit this entry? Its late and could be flawed.

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