vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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:
Equifax, TransUnion & Experian has refused to block fraudulent accounts from my credit report despite receiving all documentation required under FCRA 605B. 

I submitted : - A notarized FTC Identity Theft Affidavit - A police report from the XXXX Police Department ( Case # XXXX ) - ID and proof of address Despite this, Equifax has failed to remove the disputed information. They are now in violation of : - 605B of the FCRA - 623 ( a ) ( 6 ) and 623 ( a ) ( 7 ) - Civil liability statutes under 616 and 617 I am requesting that the CFPB investigate and compel Equifax to comply with their legal obligations.

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 2025-05-09 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:
Equifax, TransUnion & Experian has refused to block fraudulent accounts from my credit report despite receiving all documentation required under FCRA 605B. 

I submitted : - A notarized FTC Identity Theft Affidavit - A police report from the XXXX Police Department ( Case # XXXX ) - ID and proof of address Despite this, Equifax has failed to remove the disputed information. They are now in violation of : - 605B of the FCRA - 623 ( a ) ( 6 ) and 623 ( a ) ( 7 ) - Civil liability statutes under 616 and 617 I am requesting that the CFPB investigate and compel Equifax to comply with their legal obligations.

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 2025-05-09 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: SC

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! 

"

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 2025-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Account is on hold without notification and reason not provided other than, we have the right to do so.

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 2025-05-09 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: TX

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-09 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: TX

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-09 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: Volunteer Mortgage Loan Servicing
State: TN

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: MO

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
I worked for XXXX as a XXXX XXXX for XXXX year I XXXX XXXX XXXX XXXX back in XXXX. I had gone to the hospital to check my XXXX and they stated they would not charge me anything and send all bills to XXXX as they knew the address and had similar cases such as these. After getting fired from XXXX for not being able to perform my duties i tried getting a lawyer but all stated " XXXX is too risky. '' I can not afford anything let alone groceries. After being told by XXXX and XXXX and XXXX at my work that they PAID for all the medical bills and every single bill was closed out and paid even shared the TICKET NUMBER I AM NOW getting CHARGED for every single bill XXXX, HOSPITAL XXXX and XXXX XXXX. One bill that keeps calling me 20 times a DAY is MEDICREDIT from XXXX, TX XXXX stating i owed XXXX, and keeps changing the amount to XXXX?? I also don't appreciate the threats to " pay it or else " or else what i have to go to food banks to get food and ask others for money to lend me to pay the roof i have over my head. I also don't appreicate being told " It's whateever this is your account not mine so when are you going to pay this? '' or " do you have a credit card why cant you just provide the number of your card. '' this is just disgusting I am struggling so much to pay my bills and i don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Hanwha QCells USA Corp
State: OK

Complaint narrative:
In XX/XX/XXXX, I financed a {$43000.00} solar energy system through EnFin, a division of XXXX XXXX. Before agreeing to the loan, I made it explicitly clear to the sales representative, XXXX XXXX of XXXX XXXX XXXX, that my family planned to sell our home in the near future. I was only willing to proceed if the system could be relocated and would not be treated as a fixture. 

The sales representative verbally assured me that the system would be classified as removable personal property, that it could be relocated once for free, and that a loan payoff would not be required to move it. These assurances were crucial to my decision to proceed with financing. The loan agreement I signed reflects this understanding. Specifically, Section 6 ( d ) states that no portion of the solar equipment will constitute a fixture and that the equipment will be removable. 

Despite this, EnFin filed a UCC-1 Financing Statement that misclassifies the panels as fixtures, effectively placing a lien on my home. This lien was never disclosed at closing, nor was my consent requested. I discovered it only during a title search in XX/XX/XXXX, after my home went under contract. 

In late XX/XX/XXXX, prior to listing my home, I contacted EnFin by phone after receiving evasive and conflicting responses via email. During that call, I was once again told that relocation was permitted with 30 days ' notice. However, on XX/XX/XXXX, after the sale was underway, I spoke with another EnFin representative by phone and was told for the first time that the panels could not be relocated unless the loan was paid in full. This was a complete reversal of their prior representations and a direct violation of the loan agreement. 

That same day, I submitted a formal demand letter through EnFins online portal and followed up by mail. Their written response ignored the language in the contract and stated simply that relocation was not permitted unless the loan was paid in full. 

Violations This situation involves several serious regulatory and legal violations. Under the Truth in Lending Act ( 15 U.S.C. 1638 ), EnFin failed to clearly disclose the lien as a fixture filing and misrepresented the nature of the security interest. Under Article 9 of the Uniform Commercial Code ( Okla. Stat. tit. 12A 1-9-502 ), EnFin filed a fixture lien in direct contradiction to the contract, which classifies the panels as personal property, and did so without providing proper notice or obtaining agreement.

EnFins conduct also violates the Unfair, Deceptive, or Abusive Acts or Practices provision under 12 U.S.C

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: CA

Complaint narrative:
I take my credit seriously, just like anyone else, and the fact that there are still errors on my report is unacceptable. These inaccurate items are in pending litigation because of the way they were carelessly reported. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ). They have directly harmed my financial opportunities and taken a real toll on my mental health. My credit report should only reflect accurate information, which is why its important all data is verified. I expect my credit report to reflect only accurate, verified informationnothing less. This needs to be corrected immediately.

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 2025-05-09 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 have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

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 2025-05-09 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: IL

Complaint narrative:
Credit card was inactive for 8 years. When transferring points they charged this card. No online access was available, no statements were sent, no communication was done until after reported to credit reports that I was delayed. XXXX admitted mistake, sent statements, credited late fees and financing but still reporting late payment.

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 2025-05-09 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: IL

Complaint narrative:
Credit card was inactive for 8 years. When transferring points they charged this card. No online access was available, no statements were sent, no communication was done until after reported to credit reports that I was delayed. XXXX admitted mistake, sent statements, credited late fees and financing but still reporting late payment.

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 2025-05-09 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: IL

Complaint narrative:
Credit card was inactive for 8 years. When transferring points they charged this card. No online access was available, no statements were sent, no communication was done until after reported to credit reports that I was delayed. XXXX admitted mistake, sent statements, credited late fees and financing but still reporting late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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:
Equifax, TransUnion & Experian has refused to block fraudulent accounts from my credit report despite receiving all documentation required under FCRA 605B. 

I submitted : - A notarized FTC Identity Theft Affidavit - A police report from the XXXX Police Department ( Case # XXXX ) - ID and proof of address Despite this, Equifax has failed to remove the disputed information. They are now in violation of : - 605B of the FCRA - 623 ( a ) ( 6 ) and 623 ( a ) ( 7 ) - Civil liability statutes under 616 and 617 I am requesting that the CFPB investigate and compel Equifax to comply with their legal obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: AZ

Complaint narrative:
Experian and Equifax are refusing to remove fraudulent addresses from my credit profile although I am a victim of identity fraud. These addresses are hurting me a lot and causing me issues. I have reported these fraudulent addresses and included my one and only address, please see attached.

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 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: GA

Complaint narrative:
Harry & harry LTD states I owe them {$130.00}. This is due to identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
My new mortgage servicer is Select Portfolio Servicing Inc . They started billing me without including the forbearance provided by prior servicer covering XXXX, XXXX, XXXX XXXX and XX/XX/XXXX. Due to hurricanes in Florida. It was finalized via a recorded call with the prior servicer. 

I called in XX/XX/XXXX and was told the situation would be escallated. Have never heard from anyone regarding the call. I have written the new servicer twice once in XXXX with checks for XXXX and XX/XX/XXXX and once in XX/XX/XXXX with a payment check. Their correspondence indicates I am 4 plus months late. I have been making the subsequent payments. In addition, they have reported this to the credit bureaus which is adversely affecting me. I have copies of the correspondence, checks the date of the call to them. I have marked on each check what month it is for. They are cashing them, but applying them to the forbearance period. 

This is very frustrating!! They seem to have no motivation to correct this information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: RI

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! 

"

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