vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sunnova Energy Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX, I entered into a contract with XXXX XXXX XXXX to install a new roof and solar panel system at my home. Despite fulfilling my obligations, I have experienced significant failures on Sunnovas part, resulting in financial losses and emotional distress. 

Issues Encountered : Severe Property Damage My new roof was completed on XX/XX/XXXX, and the solar panels were installed on XX/XX/XXXX. However, just days later, on XX/XX/XXXX, my property suffered a major leak, causing catastrophic damage to multiple areas. 
Failure to complete installation : Sunnova falsely marked the solar system as complete in XX/XX/XXXX despite it being inactive/nonfunctional/incomplete to start illegal collection of payments as of XX/XX/XXXX. 

o XXXX page XXXX of my contract agreement, monthly payments should begin at least 30 days after either the interconnection date or 60 days post-installation. 
o Sunnova has continuously billed me for a system that is inactive, forcing me to pay both Sunnova and XXXX XXXX  XXXX simultaneously. 
o I have made 23 months of payments, including interest, for a system that does not work. 
Cosmetic Damage & Warranty Concerns o The exterior of my home now has visible patches and exposed pipes, diminishing the property 's visual appeal. 
o I fear that XXXX may fail to honor its warranty obligations due to incomplete work. 
Requested Action : Given the financial and emotional burden this situation has caused, I respectfully request intervention to ensure Sunnova : Refunds all payments ( including interest ) made toward the non-functional solar system Completes installation and activates the system Compensates for property damages incurred Lack of communication & delays : Sunnova repeatedly postponed installation and failed to respond adequately. 

I have filed a complaint with the XXXX XXXX XXXX  since XX/XX/XXXX with no resolution, still active. I asked Sunnova several time through the XXXX complaint to stop the unlawful collection of payments. 

In addition, I have filed a complaint with the Contractors State License Board ( CSLB ). They were not able to take any action in my case since they had revoked Sunnova 's license by a CSLB disciplinary action ( Sunnova 's License : XXXX, letter from XXXX XXXX, Supervising Special Investigator, dated XX/XX/XXXX ). 

I read in the news four days ago that Sunnova is facing financial difficulties, and there are concerns about a potential bankruptcy filing. 

Another family member in XXXX, California is going through this same terrible experience. 

I ask for your intervention to secure a refund, enforce completion of installation, provide compensation for damages, and ensure warranty coverage. 

Please we need your assistance, we do not know what else to do or where else to turn for help.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-03 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: Self Financial Inc.
State: NJ

Complaint narrative:
I am filing this complaint to demand accountability for the blatant disregard of my rights by the credit bureaus, who have willfully ignored their obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, Section 605B. As a documented victim of a data breach, with proof of compromised personal information, I provided the required evidence and formal identity theft report to have fraudulent entries removed from my credit file. Despite my compliance, the bureaus have refused to block the inaccurate information, resulting in severe damage to my financial standing and personal reputation. This is a clear and unlawful violation of consumer protections, and I demand immediate corrective action by the Consumer Financial Protection Bureau ( CFPB ). If these egregious violations are not addressed promptly, I am fully prepared to initiate litigation to hold the bureaus accountable and recover full damages for the harm inflicted upon me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: GA

Complaint narrative:
I am writing to EQUIFAX to formally dispute multiple accounts listed on my credit report due to inaccurate, unverified, and potentially fraudulent information. The accounts in question are as follows : XXXX XXXX  ( Account No : XXXX, Date Opened : XX/XX/XXXX ), XXXX XXXX XXXX ( Account No : XXXX, Date Opened : XX/XX/XXXX, Balances : {$62000.00} and {$80000.00} ), XXXX XXXX XXXX ( Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$33000.00} ), and XXXX XXXX ( Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$35000.00} ). I believe that the balances and opening dates of these accounts may be incorrect or unverified, and I request a full investigation into their accuracy. If these accounts can not be verified or substantiated with proper documentation from the respective creditors, I request that they be removed from my credit file, as required under FCRA Section 609 ( 15 U.S.C. 1681g ), which mandates that consumer reporting agencies provide accurate and complete information. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( 15 U.S.C. 1681e ), I am entitled to dispute inaccurate or incomplete information and request that you investigate it. Additionally, under Section 611 ( 15 U.S.C. 1681i ), the consumer reporting agency is obligated to complete the investigation within 30 days, and if the disputed information can not be verified, it must be removed or corrected. I request that you provide evidence of verification from the creditors or remove any unverifiable information as stipulated by the FCRA. If no action is taken within this timeframe, I will be compelled to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory bodies. Also I request for the deletions of these unauthorized inquiries : List of Fraudulent accounts : XXXX XXXX XXXX Inquired on XX/XX/XXXX Never authorized XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX Never authorized XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX Never authorized XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX Never authorized XXXX XXXX  XXXX Inquired on XX/XX/XXXX Never authorized XXXX XXXX XXXX  Inquired on XX/XX/XXXX Never authorized XXXX XXXX XXXX  Inquired on XX/XX/XXXX Never authorized XXXX XXXX XXXX Inquired on XX/XX/XXXX Never authorized XXXX XXXX XXXX Inquired on XX/XX/XXXX Never authorized XXXX XXXX XXXX Inquired on XX/XX/XXXX Never authorized XXXX XXXX XXXX XXXX XXXX Inquired on XXXX  XX/XX/XXXX Never authorized XXXX XXXX XXXX Inquired on XX/XX/XXXX Never authorized XXXX XXXX XXXX Inquired on XX/XX/XXXX Never authorized ITHINK XXXX Inquired on XX/XX/XXXX Never authorized XXXX XXXX  Inquired on XX/XX/XXXX Never authorized XXXX XXXX  Inquired on XX/XX/XXXX Never authorized Thank you for your attention to this matter, and I look forward to your prompt resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: OK

Complaint narrative:
Equifax is reporting two hard inquiries on my credit report : one from XXXX dated XX/XX/XXXX, and another from XXXX dated XX/XX/XXXX. I dispute these inquiries as I do not recall authorizing these companies to access my credit information on these dates. Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies like Equifax must ensure that all inquiries are authorized by the consumer. Unauthorized inquiries can adversely affect my credit score and financial standing unfairly. 

I have taken steps to verify whether I requested or permitted these credit checks and found no such authorizations. The presence of these inquiries raises concerns about potential errors or misuse of my credit data, which could be due to improper handling or a breach. This situation causes me significant stress and could impact my ability to obtain credit fairly. 

Moreover, I am aware of recent findings by the Consumer Financial Protection Bureau ( CFPB ) highlighting significant concerns regarding Equifaxs failure to conduct proper investigations into disputed information. The CFPB has alleged in a lawsuit that Equifax engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these legal requirements is a violation of federal law and results in undue harm to consumers like myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: MI

Complaint narrative:
I recently reviewed an email regarding the upcoming start of my student loan repayment. However, according to the original documentation I received and printed at the beginning ( XX/XX/XXXX ) of my loan term, my repayments were not scheduled to resume until XX/XX/XXXX. 

I find it concerning and unfair that the repayment date appears to have been moved up to XXXX without any prior notice beyond this recent email. I was not contacted through any other means, and I was given only a few weeks notice of this significant change. 

I would appreciate clarification on why the repayment date has been adjusted and why I was not informed earlier through more formal or multiple channels. Please let me know how this matter can be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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 utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry.

Please see the attached file for what I am complaining about! 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 non-monetary relief
Consumer complaint received 2025-06-03 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry.

Please see the attached file for what I am complaining about! 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am filing a formal complaint under the FEPRA ( 20 U.S.C., 1232g ) Family Educational Rights and Privacy Act ( FERPA ) regarding unauthorized access and disclosure of my financial aid records. I have the right to privacy and accurate record keeping regarding my educational history.

Upon reviewing my records, I have identified discrepancies/misuse of my educational information, including but not limited to unauthorized release of education records to XXXX or XXXX XXXX  or any unauthorized staff will have access private disbursement balances or fraudulent use of my records which is an violation with FERPA regulations and consumer protection laws. Therefore, I have recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent.

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 2025-06-03 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: TX

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investegate thus and fix it. I'm really sick and tired of these XXXX. Should there be any updates on my inquiries, 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 explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
I am currently on the SAVE plan, which is in forbearance. Under this plan interest is not supposed to accrue if payments are made or if the loans are under forbearance. Just recently, I realized that MOHELA had started charging me interest on some of the loans. This is illegal and violates the repayment plan I am in. I have tried to contact them but it has been literally impossible. I would like this to be resolved and balance be fixed to show the correct amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: PR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX ) XXXX XXXX Date : XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Method of Verification Request DOB : XX/XX/XXXX SSN ( XXXX Dear TransUnion Dispute Department, I am writing to formally request the method of verification you used in verifying the following negative item reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ), I have the right to know the procedure used in verifying disputed information. 
Account Information : Creditor Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Type : Collection / Charge-Off Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX In a recent review of my credit report, I noticed that this account remains listed after a prior dispute. Therefore, I am requesting a full description of the verification process you used, including : The name, address, and telephone number of the entity that verified this information. 
The manner in which the information was verified ( e.g., electronic verification, physical documentation ). 
Copies of any documents or records that were provided to you by the furnisher XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) to substantiate the reporting. 
According to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), you are required to provide this information within 15 days of receipt of this request. Failure to do so may constitute a violation of federal law.

Furthermore, if the account is listed as a charge-off and/or collection, please verify and provide documentation that : You obtained a contract or agreement bearing my signature.

You have reviewed and confirmed the full chain of title for the debt ( i.e., if sold or transferred ).

The account complies with the statutes of limitations for collection and credit reporting under federal and XXXX XXXX laws. 
If you are unable to provide this information, I respectfully request that this item be deleted immediately from my credit report in accordance with FCRA 611 ( a ) ( 5 ) ( A ), which requires deletion if the disputed information can not be verified.

Please send your response in writing to the mailing address listed above. I look forward to your timely compliance. 
Sincerely, 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 2025-06-03 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: PA

Complaint narrative:
I am filing this complaint with the Consumer Financial Protection Bureau for the fifth time regarding an account that has been repeatedly disputed with the credit bureau but is still being reported inaccurately.Despite my numerous disputes, the credit bureau continues to verify the account as accurate without providing proper documentation or legitimate proof that the account belongs to me. Since their initial verification, I have identified multiple discrepancies that clearly show the account was not properly investigated : Remarks originally attached to the account have been removed without explanation.

The credit bureau has updated my credit score and changed reporting details ( including payment history and account status ) during or shortly after the dispute process, which is a direct violation of the Fair Credit Reporting Act ( FCRA ).

These changes appear to be based on new, unverifiable information and have resulted in damage to my credit score and financial opportunities.

The repeated failure of the credit bureau to properly verify the ownership of this account combined with the inconsistencies in their reporting and the harm it has caused me has left me with no choice but to escalate this matter again. This Account is also 7 years old and should of been removed as of XXXX XXXX. 
Resolution Requested : I am formally requesting that this account be immediately removed from my credit report due to : Improper verification procedures Unlawful changes made during the dispute process Continued failure to comply with FCRA obligations to provide complete and accurate information Please investigate this matter thoroughly. I am prepared to take further legal action if this issue is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: PA

Complaint narrative:
I am filing this complaint with the Consumer Financial Protection Bureau for the fifth time regarding an account that has been repeatedly disputed with the credit bureau but is still being reported inaccurately.Despite my numerous disputes, the credit bureau continues to verify the account as accurate without providing proper documentation or legitimate proof that the account belongs to me. Since their initial verification, I have identified multiple discrepancies that clearly show the account was not properly investigated : Remarks originally attached to the account have been removed without explanation.

The credit bureau has updated my credit score and changed reporting details ( including payment history and account status ) during or shortly after the dispute process, which is a direct violation of the Fair Credit Reporting Act ( FCRA ).

These changes appear to be based on new, unverifiable information and have resulted in damage to my credit score and financial opportunities.

The repeated failure of the credit bureau to properly verify the ownership of this account combined with the inconsistencies in their reporting and the harm it has caused me has left me with no choice but to escalate this matter again. This Account is also 7 years old and should of been removed as of XXXX XXXX. 
Resolution Requested : I am formally requesting that this account be immediately removed from my credit report due to : Improper verification procedures Unlawful changes made during the dispute process Continued failure to comply with FCRA obligations to provide complete and accurate information Please investigate this matter thoroughly. I am prepared to take further legal action if this issue is not resolved.

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