vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I just pulled my report this morning and noticed that the account I reported still reflecting on my report. And this is against Consumer Reporting Act already. I want this account permanently deleted off my report within the XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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:
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 2025-09-30 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: TX

Complaint narrative:
I am writing to formally dispute the late payment entries on my credit report. Despite multiple attempts to have these errors reviewed and corrected, no meaningful action has been taken. I have submitted all necessary documentation and followed up repeatedly, yet the inaccuracies remain unresolved. 
These ongoing issues have caused financial hardship and negatively impacted both my credit and overall well-being. The process of addressing these errors has been frustrating and emotionally taxing. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my financial history, including the correction or removal of outdated, incorrect, or unverifiable information. I am therefore requesting that your office take immediate action to update or remove the disputed late payment entries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: PA

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$800.00}

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 2025-09-30 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: HI

Complaint narrative:
I am writing to formally dispute several inquiries on my credit report that I did not authorize. Upon reviewing my report, I found multiple inquiries from companies with which I have never applied for credit or granted permission to access my information. 
I have submitted dispute requests and provided supporting documentation, yet these inquiries remain on my report without resolution. These unauthorized entries are negatively affecting my credit score and raise concerns about potential identity misuse or reporting errors. Despite my efforts to resolve this, the issue persists. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate or fraudulent. I am requesting a full investigation to verify the origin and legitimacy of these inquiries.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
" I am filing this complaint because the creditor/debt collector has continued collection efforts despite my bankruptcy filing. This includes phone calls, letters, and reporting the debt to credit bureaus after the bankruptcy case was filed and/or discharged. Such actions violate the automatic stay and discharge injunction under bankruptcy law. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: GA

Complaint narrative:
As per 15usc 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX Comptroller of the Currency. XXXX Federal Reserve XXXX. XXXX XXXX and XXXX. XXXX Federal Trade Commission. 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 non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Finance Direct LLC.
State: VA

Complaint narrative:
In XX/XX/year>, I signed a retail installment agreement with XXXX and XXXX XXXX XXXX ( XXXX ) to finance aligners. However, shortly after, I exercised my XXXX return and refund policy with XXXX. I followed all required steps, including emailing XXXX, cutting the aligners, sending proof photos, and receiving confirmation that my return was completed. 
I was told I would no longer be charged after completing the return. However, I recently discovered that I have continued to be charged monthly for the past XXXX years without receiving any services or products. Once I became aware, I disputed the most recent charges with my bank. 
I got in contact with XXXX XXXX XXXX ( XXXX ) by both phone and email to resolve this matter. Despite explaining that I returned the product and never received any services, they refused to assist unless I could provide the original cancellation email from 2023. Since XXXX has since gone bankrupt and the return took place over XXXX years ago, I no longer have access to that email. 
After my dispute, XXXX continued to call me repeatedly from multiple phone numbers. the alleged debt was passed to XXXX, who also began contacting me by phone. I have requested written validation under the FDCPA from XXXX, but they have only provided a copy of my original signed contract, not any evidence that I still owe money or received ongoing service. 
I believe this debt is invalid under the FDCPA because I exercised my right to a refund within the policy period, received no service, and disputed the charge in good faith. I am requesting that this alleged debt be validated or removed entirely, and that all collection and phone contact cease immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ 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 2025-09-30 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: NV

Complaint narrative:
This complaint is not a mistake. My credit report contains inaccurate information that does not meet the Fair Credit Reporting Acts standard of maximum possible accuracy. These errors are causing significant and ongoing harm to my financial and personal life. I insist that these inaccuracies be fully reinvestigated and either corrected or removed without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. Accounts and hard inquiries were placed on my credit reports without my knowledge or consent. I did not authorize these applications or accounts, and I have no relationship with the companies involved. 

On reviewing my credit reports, I discovered multiple fraudulent accounts and inquiries reporting against me. I contacted the companies and requested proof of authorization, signed applications, or contracts verifying that I had opened these accounts. They failed to provide the requested documentation or remove the fraudulent information. 

These accounts and inquiries are inaccurate, unverifiable, and the result of fraud. They are negatively impacting my credit, causing financial and personal harm. I am requesting immediate investigation, removal, and permanent blocking of all fraudulent accounts and inquiries from my credit reports in accordance with the Fair Credit Reporting Act ( 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 explanation
Consumer complaint received 2025-09-30 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 a victim of identity theft. Accounts and hard inquiries were placed on my credit reports without my knowledge or consent. I did not authorize these applications or accounts, and I have no relationship with the companies involved. 

On reviewing my credit reports, I discovered multiple fraudulent accounts and inquiries reporting against me. I contacted the companies and requested proof of authorization, signed applications, or contracts verifying that I had opened these accounts. They failed to provide the requested documentation or remove the fraudulent information. 

These accounts and inquiries are inaccurate, unverifiable, and the result of fraud. They are negatively impacting my credit, causing financial and personal harm. I am requesting immediate investigation, removal, and permanent blocking of all fraudulent accounts and inquiries from my credit reports in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
IN accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
Delete the accounts below : XXXXXXXX XXXX XXXXXXXX XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX.

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 2025-09-30 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:
It creates a false narrative around my money habits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount GR Holdings, LLC
State: NY

Complaint narrative:
Company : GoodLeap, LLC ( Loan Servicing Department ) Product : Solar loan Issue : Improper credit reporting, improper billing, harassment, and failure to refund Complaint : I sold my property in XXXX, XXXX on XX/XX/year>. At closing, the buyer contractually assumed my GoodLeap solar loan. GoodLeap refused to recognize the closing date and instead claimed I remained responsible until XX/XX/year>, when the deed was recorded by the county. The recording date is outside my control. 

Despite this : The buyer made the XXXX, XXXX, and XX/XX/year> payments of {$230.00} each, yet GoodLeap continued to keep the account in my name. 

I made an extra XX/XX/year> payment of {$230.00}, which GoodLeap previously promised to refund but has not. 

GoodLeap falsely reported me to credit bureaus as late for XXXX and XX/XX/year>, even though I was no longer the property owner and the buyer had already paid. 

They are still attempting to collect {$8.00} in alleged XXXX  days of interest and have made repeated harassing calls despite my written dispute. 

This conduct violates : Fair Credit Reporting Act ( FCRA ) : Furnishing inaccurate credit information and failing to correct after dispute. 

Fair Debt Collection Practices Act ( FDCPA ) : Misrepresenting debt and harassment. 

Consumer protection laws : Unfairly holding sellers liable until deed recording, a process outside borrowers control.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NY

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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 all three major credit reporting agencies ( Equifax, Experian, and TransUnion ) are inaccurately reporting multiple accounts and inquiries on my credit file. 

Despite my repeated disputes directly with each bureau, these accounts remain, and no proper validation or correction has been provided. These errors are damaging my creditworthiness, causing distress, and violating my rights under the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to maintain accurate and verifiable information. 

Reported Across Bureaus ( some variation in account numbers ) : 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 XXXXXXXX Card ( XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( reported on TransUnion only ) Inquiries reported without authorization : XX/XX/year> ( all three bureaus ) XX/XX/year> ( Equifax & TransUnion ) Damage to my credit score and reputation. 

Difficulty obtaining credit on fair terms. 

Emotional distress due to persistent inaccurate reporting. 

Wasted time and resources repeatedly disputing these items with no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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 all three major credit reporting agencies ( Equifax, Experian, and TransUnion ) are inaccurately reporting multiple accounts and inquiries on my credit file. 

Despite my repeated disputes directly with each bureau, these accounts remain, and no proper validation or correction has been provided. These errors are damaging my creditworthiness, causing distress, and violating my rights under the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to maintain accurate and verifiable information. 

Reported Across Bureaus ( some variation in account numbers ) : 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 XXXXXXXX Card ( XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( reported on TransUnion only ) Inquiries reported without authorization : XX/XX/year> ( all three bureaus ) XX/XX/year> ( Equifax & TransUnion ) Damage to my credit score and reputation. 

Difficulty obtaining credit on fair terms. 

Emotional distress due to persistent inaccurate reporting. 

Wasted time and resources repeatedly disputing these items with no resolution.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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