vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: KEYCORP
State: FL

Complaint narrative:
On or about XX/XX/2021 I purchased Solar Panels thru the company XXXX XXXX this company financed the purchased items thru Key Bank for a total amount of {$35000.00} the above named company went bankrupt and currently my solar panels are not working as expected with some of them been not producing as they need to. I have attempted to contact the Installer for the XXXX panels ( XXXX ) without success. I purchased this solar panels under the impresion that for the 25 years that the warranty is offer I was going to have the service and semless operation of the product I purchaed. This issue is causing me a financial problem since I am paying for something I am not getting anything in return. This company ( XXXX ) used the bank to get customers to pay for something they knew what the outcome was going to be. Now we have solar panels that do not work and own money for something we do enjoy. I need to know how can I be released from this liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: IQOR US INC
State: TX

Complaint narrative:
Allied Interstate LLC. I am unaware of this dept and did not have the opportunity to dispute this account. If you believe you send proper notification. Please provide by certified mail, with receipt displaying my signature, if not, please delete this account as soon as possible, or I will have to take legal actions.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-13 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: AL

Complaint narrative:
XXXX XXXX XXXXEquifaxXXXX XXXX XXXXXXXX XXXX XXXXSubject: Formal Dispute of Inaccurate Information Pursuant to FCRA  605B (15 U.S.C.  1681c-2)\n\nTo Whom It May Concern, This letter serves as an aggressive formal dispute of inaccurate and erroneous information reported on my credit file in violation of my federally protected rights under FCRA  605B (15 U.S.C.  1681c-2). The following accounts and items must be removed from my credit report immediately:\n\n\nXXXXXXXX XXXX XXXX - Under 15USC 1692g. Validation of debts - I request validation under 15US Code 1692g-Validation of debt\n\nXXXX XXXX XXXX XXXX - Under 15USC 1692g. Validation of debts - I request validation under 15US Code 1692g-Validation of debt\n\nXXXX XXXX XXXX XXXX - 1692(g) Disputed debts-Validation of debts - I request validation under 15us code 1692g-Validatiom of debts\n\nXXXX XXXX XXXX XXXX XXXX XXXX 1692(g) Disputed debts-Validation of debts - I request validation under 15us code 1692g-Validatiom of debts\n\nXXXX XXXX XXXX XXXX XXXX 1692(g) Disputed debts-Validation of debts - I request validation under 15us code 1692g-Validatiom of debts\n\nXXXX XXXX XXXX XXXX 1692(g) Disputed debts-Validation of debts - I request validation under 15us code 1692g-Validatiom of debts\n\nXXXX XXXX XXXX XXXX 1692(g) Disputed debts-Validation of debts - I request validation under 15us code 1692g-Validatiom of debts\n\nXXXX XXXX XXXX XXXX XXXX XXXX  1692(g) Disputed debts-Validation of debts - I request validation under 15us code 1692g-Validatiom of debts\n\nXXXX XXXX XXXX XXXX  - 1692(g) Disputed debts-Validation of debts - I request validation under 15us code 1692g-Validatiom of debts\n\nXXXX XXXX XXXX XXXX  - 1692(g) Disputed debts-Validation of debts - I request validation under 15us code 1692g-Validatiom of debts\n\nXXXX XXXX XXXX - I did not authorize this inquiry? - The following inquiry was not authorized and should not be reporting.\n\nThese accounts are listed as a result of fraudulent activity and have no legitimate basis being reported under my personal information. As stipulated by FCRA  605B, you are required to block this information from my report within four business days of receiving this notice.\n\nFailure to act in accordance with the Fair Credit Reporting Act will result in me pursuing all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and seeking damages for noncompliance.\n\nI demand written confirmation of the removal of these accounts from my credit file within the legal time frame. If any additional information is required, I expect immediate communication, as I will not tolerate any delays or excuses for failing to follow federal law.\n\nSincerely, XXXX XXXXXXXX XXXXEnclosures: ID, proof of address, SSC, FTC report'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Counsel, Inc.
State: FL

Complaint narrative:
I received a collection notice from XXXX XXXX XXXX XXXX regarding an outstanding balance with XXXX XXXX XXXX XXXX Account # XXXX ). I was contacted by someone from their office who asked me to confirm a date I could make a payment. I responded with a date, attempting to cooperate and resolve the issue. 

However, instead of honoring that request or offering any flexibility, my response was forwarded to the agent assigned to my account. He refused the arrangement and then falsely claimed to be a supervisor when I attempted to escalate the issue. 

I called the office and requested to speak to an actual manager. Instead, I was transferred back to the same agent who denied my request. When I asked again for a legitimate supervisor, he became hostile and hung up on metwice. This behavior is not only unprofessional but potentially deceptive and in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

I am attempting in good faith to resolve this balance. The agencys misleading communication, refusal to identify appropriate personnel, and harassment through repeated disconnections are unacceptable.

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 2025-05-13 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: CT

Complaint narrative:
I am disputing inaccurate late payment entries for XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, dated XX/XX/2023, which are being reported on my XXXX, Experian, and XXXX  credit reports. These entries reflect a balance and past due amount of {$0.00}, which clearly indicates that the account is not past due and has no outstanding balance. The presence of a {$0.00} balance and past due amount directly contradicts the inaccurate late payment remarks, highlighting a critical oversight by both the creditor and the credit bureaus in ensuring the accuracy of my credit report. This type of error has already negatively impacted my financial profile, leading to unjust denials for credit, higher interest rates, and damaged financial credibility, despite my clear efforts to maintain timely payments. Such inaccuracies are particularly damaging in todays financial landscape, where even a single late payment can drastically lower credit scores and hinder access to essential financial products. 

Under the Fair Credit Billing Act ( 15 U.S.C. 1666 and 15 U.S.C. 1666 ( b ) ), credit reporting agencies are required to accurately reflect my payment history and promptly correct any inaccuracies. Allowing these incorrect late payment remarks to remain, despite the clear evidence of a {$0.00} balance and past due amount, is a direct violation of these federal laws. This failure to maintain accurate data not only undermines the integrity of the credit reporting system but also exposes consumers like me to unnecessary financial harm, further compounding the damage to my financial reputation.

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 2025-05-13 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: NY

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
This account has been delinquent since XX/XX/year>, and per XXXX and XXXX guidelines regarding installment loans ( including auto loans ), a charge-off is required after 120 days of non-payment. Instead of properly reporting the account as charged off, it continues to be updated as past due, which is inaccurate and may unlawfully extend the negative impact on my credit file.

Additionally : There is no clear charge-off date or amount listed, The date of last activity appears inconsistent with my payment history, This may also violate provisions of the Fair Credit Reporting Act, which requires that credit reports be accurate, complete, and not misleading.

Request for Resolution : I respectfully request that you : Have this account removed from all credit reports due to unlawful reporting practices. As well not allow company to replace negative information on credit report going forward.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX regarding their refusal to report my mortgage payment history to the three major credit bureaus ( Equifax, XXXX, and XXXX  ). Despite fulfilling my post-bankruptcy obligations, XXXX continues to withhold this critical reporting, which is harming my ability to rebuild credit. 

My Chapter XXXX bankruptcy was filed on XX/XX/year> and discharged on XX/XX/year>. XXXX has confirmed that the lien on my property remains valid and that I am still obligated to make monthly payments. I have consistently made these payments for over 10 years post-discharge. However, XXXX claims they are no longer reporting to the credit bureaus because of the discharge this is inaccurate and misleading. 

Legal Grounds : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), XXXX is obligated to ensure that any information it chooses to report is accurate and complete. The bankruptcy discharge relieved me of personal liability but did not remove the lien or the obligation to pay thus, the payment history is valid and reportable.

Furthermore, their refusal to report this history may violate the Consumer Financial Protection Act ( 12 U.S.C. 5531 ) which prohibits unfair, deceptive, or abusive acts or practices ( UDAAPs ). Failure to report accurate payment history misrepresents my creditworthiness and negatively impacts my financial standing.

Request for CFPB Action : I respectfully request that the CFPB investigate XXXX XXXX  XXXX for noncompliance with federal law and compel them to : Accurately report my full post-bankruptcy mortgage payment history to the credit bureaus. 
Provide written confirmation of compliance within 15 days. 

Their failure to act is unfair, deceptive, and in clear violation of consumer protection law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX regarding their refusal to report my mortgage payment history to the three major credit bureaus ( XXXX XXXX  and TransUnion ). Despite fulfilling my post-bankruptcy obligations, XXXX continues to withhold this critical reporting, which is harming my ability to rebuild credit. 

My Chapter XXXX bankruptcy was filed on XX/XX/year> and discharged on XX/XX/year>. XXXX has confirmed that the lien on my property remains valid and that I am still obligated to make monthly payments. I have consistently made these payments for over 10 years post-discharge. However, XXXX claims they are no longer reporting to the credit bureaus because of the discharge this is inaccurate and misleading. 

Legal Grounds : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), XXXX is obligated to ensure that any information it chooses to report is accurate and complete. The bankruptcy discharge relieved me of personal liability but did not remove the lien or the obligation to pay thus, the payment history is valid and reportable. 

Furthermore, their refusal to report this history may violate the Consumer Financial Protection Act ( 12 U.S.C. 5531 ) which prohibits unfair, deceptive, or abusive acts or practices ( UDAAPs ). Failure to report accurate payment history misrepresents my creditworthiness and negatively impacts my financial standing.

Request for CFPB Action : I respectfully request that the CFPB investigate XXXX XXXX  XXXX for noncompliance with federal law and compel them to : Accurately report my full post-bankruptcy mortgage payment history to the credit bureaus. 
Provide written confirmation of compliance within 15 days. 

Their failure to act is unfair, deceptive, and in clear violation of consumer protection 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 explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX regarding their refusal to report my mortgage payment history to the three major credit bureaus ( XXXX, Experian, and XXXX  ). Despite fulfilling my post-bankruptcy obligations, XXXX continues to withhold this critical reporting, which is harming my ability to rebuild credit. 

My Chapter XXXX bankruptcy was filed on XX/XX/year> and discharged on XX/XX/year>. XXXX has confirmed that the lien on my property remains valid and that I am still obligated to make monthly payments. I have consistently made these payments for over 10 years post-discharge. However, XXXX claims they are no longer reporting to the credit bureaus because of the discharge this is inaccurate and misleading. 

Legal Grounds : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), XXXX is obligated to ensure that any information it chooses to report is accurate and complete. The bankruptcy discharge relieved me of personal liability but did not remove the lien or the obligation to pay thus, the payment history is valid and reportable.

Furthermore, their refusal to report this history may violate the Consumer Financial Protection Act ( 12 U.S.C. 5531 ) which prohibits unfair, deceptive, or abusive acts or practices ( UDAAPs ). Failure to report accurate payment history misrepresents my creditworthiness and negatively impacts my financial standing.

Request for CFPB Action : I respectfully request that the CFPB investigate XXXX XXXX XXXX for noncompliance with federal law and compel them to : Accurately report my full post-bankruptcy mortgage payment history to the credit bureaus. 
Provide written confirmation of compliance within 15 days. 

Their failure to act is unfair, deceptive, and in clear violation of consumer protection 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 explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Comerica
State: FL

Complaint narrative:
I am trying to consolidate my IRA accounts electronically with one financial institution, XXXX. I have successfully completed this process with all other banks except Comerica Bank in XXXX, XXXX. I have had a XXXX XXXX Account ( USD {$7900.00} ) with them for more than 10 years. 
Comerica Bank states that I must be physically presence with my identification to facilitate the rollover of my XXXX XXXX  to XXXX. No one at the Comerica Bank can email/mail/text confirmation of this " physical presence test '' requirement. Therefore, they are holding my account funds hostage based on an operating procedure/policy that is not transparent to their clients. 
XXXX has been in communication with Comerica Bank since XXXX. They have provided them with authorized copies of my Federal Identifications including my XXXX  Real ID and United States Passport and attestations of my identity. 
The account statement nor any information on the Comerica Bank 's website require physical presence for transfer of funds between financial institutions. 
The language on the statement reads, " Transfer Fee ( IRA only ) A {$50.00} fee will be assessed on any transfer of IRA funds initiated by you ( account holder ) or transferred by Comerica at your request to another institution. '' I want to understand as a senior citizen, the legality and ethics associated with the operational requirement by the Comerica Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

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 2025-05-13 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report.

Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


3. Incorrect Employers :. My correct Employer is : XXXX XXXX Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

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