vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I obtained a rooftop solar energy system from XXXX XXXX XXXX XXXX, later known as XXXX XXXX, for my home at XXXX XXXX XXXX XXXX in Illinois. The system was financed through a loan from Digital Federal Credit Union ( DCU ). 

XXXX XXXX XXXX XXXX XXXX sales representatives told me that the solar system would significantly reduce or eliminate my electric bill so that I would essentially swap my utility bill for the loan payment. I relied on these representations when I agreed to the installation and financing. 

I signed a XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX, which stated that they would design, permit, install, and interconnect the system at my property. The DCU loan was used to pay for this system, and I have been making payments on the DCU loan. 

However, the solar system has never performed as promised and has now stopped working altogether. I am paying : A full electric bill, as if I had no solar at all ; and The DCU loan payment every month for a system that does not work. 


XXXX XXXX XXXX XXXX XXXX has since filed for bankruptcy and stopped operations, so there is no viable contractor to fix the system or honor any warranty obligations. 

Attempts to resolve I have : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the past to request repairs and get the system working. 

Contacted DCU many times by phone and through member support, explaining that the solar system is not functioning and that I am paying for a defective product. 

Reached out to independent solar service companies to inspect the system and explore whether it can be repaired. 


Despite nearly a dozen attempts to resolve the issue over the last few years, I am repeatedly told that I must keep making my DCU loan payments to avoid default, with no meaningful investigation or relief. 

Why I am filing this complaint I believe DCU is : Continuing to collect on a loan for a non-functional product, where the contractor is bankrupt and can not make the system operational. 

Failing to provide a reasonable resolution or meaningful assistance, despite my good-faith efforts and clear evidence that the financed improvement is not working. 


I am an ordinary consumer who relied on the representations of both the installer and the financing arrangement. I have been left with a major financial burden and no working solar system.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-02 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: NV

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements XXXX be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: VA

Complaint narrative:
To Whom It May Concern, I am writing to dispute and request an immediate investigation into one or more fraudulent accounts that are appearing on my credit report and are associated with the following collection agency : XXXX XXXXXXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX  This account does not belong to me. I did not authorize, open, or incur any debts with XXXX XXXX XXXX or the original creditor they claim to represent. I believe these accounts are the result of identity theft or reporting error.

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 2025-12-02 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: VA

Complaint narrative:
To Whom It May Concern, I am writing to dispute and request an immediate investigation into one or more fraudulent accounts that are appearing on my credit report and are associated with the following collection agency : XXXX XXXXXXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX  This account does not belong to me. I did not authorize, open, or incur any debts with XXXX XXXX XXXX or the original creditor they claim to represent. I believe these accounts are the result of identity theft or reporting error.

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 2025-12-02 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 have encountered difficulties accessing my Equifax AND Experian account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

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 2025-12-02 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: CA

Complaint narrative:
Dear Sir/Madam, I am a consumer trying to resolve inaccuracies on my credit report. I am submitting this dispute to the Consumer Financial Protection Bureau ( CFPB ) for assistance in rectifying the following accounts, which I believe contain errors. Please see the details of the accounts in dispute below, separated by credit bureau. 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$800.00} XXXX Account Number : XXXX Date Opened : XXXX Balance : {$230.00} XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$2000.00} XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$1400.00} XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$1400.00} XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$640.00} XXXX XXXX XXXXccount Number : XXXX Date Opened : XXXX Balance : {$420.00} XXXX Account Number : XXXX Date Opened : 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 explanation
Consumer complaint received 2025-12-02 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: VA

Complaint narrative:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-12-02 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: CA

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA XXXX681e ( b ) and 1681i, causing financial harm and violating my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
my phone had gone missing back in the months of XXXX - XXXX. when i received my new device i had to file disputes and some disputes i did not file and payments were revered and my account is negative.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: KY

Complaint narrative:
Dispute of inaccurate credit reporting under fcra 1681e ( b ) and 1681s-2 ( b ) DIscover is reporting a full balance of a charged off account to experian and not a XXXX balance while XXXX XXXX and XXXX is XXXX to collect the full balance as well experian is not investigating this matter thoroughly because when I submit the dispute the very next day experian emails me and says the dispute is updated no way a thorough investigation was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
I received a notice of dispute in the mail alleging validated debt for an unknown amount, posted to an individual whose name matches mine. However, no valid Notice of XXXX as required by Regulation F was received by me at any point prior to receiving the notice of dispute for the debt alleged, nor did the validation letter provide either an amount owed, proof of ownership of debt, or a list of fees, charges, or interests provided by the alleged creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: TX

Complaint narrative:
This is a fraud-related account I never opened, and I ask for correction.

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 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I was offered by XXXX bank XXXX a line of credit with a 0 % apr for balance transfer, Back in XXXX i was approved and received the card with a {$10000.00} line of credit, on XX/XX/XXXX i was gana use the {$10000.00} 0 % i wasn't sure if the offer of the 0 % is still active i called the regular num on back of the card and i was advised that yes its still available, and she also advised me that there is a {$100.00} fee for the transfer witch i agreed too. 
so i went and with that representative on the phone she advised me how to do the transfer online i transferred {$9500.00} to my other creditor and the balance was transferred to XXXX, last week i got my first statement on the XXXX XXXX, i was shocked to see ( XXXX the fee was {$470.00} and the XXXX % was 23.82 % in XXXX amount its {$120.00}.... 
so i called XXXX and was advised that since i transferred the balance after the 90 days of the approval, that's the rate and that's the fee which is 5 % of the {$9500.00} i spoke to supervisor XXXX he said the fee of XXXX he might be successful in getting me back, but the XXXX % their is absolutely nothing he can do i should go in person to my branch, i went over to my branch spoke the XXXX XXXX and he gave me to speak to XXXX they where vary nice and tried to help me but they wasn't successful at least for now....

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 2025-12-02 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: NJ

Complaint narrative:
I am disputing inaccurate personal information on my credit report. My last name is listed inaccurately as " XXXX XXXX '', " XXXX '', " XXXX '', and other inaccurate names, when it should only be " XXXX XXXX XXXX ''. Additionally, several addresses on my report do not match my current address and should be deleted, including XXXX XXXX XXXX, XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ; XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ; XXXX Virginia XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; and XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. Furthermore, several telephone numbers listed are inaccurate and should be removed, including ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX and ( XXXX ) XXXX. Under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX ( b ), I am entitled to accurate and up-to-date personal information. These discrepancies violate the FCRA, and I request that they be corrected immediately by updating or deleting the incorrect details from my credit report.

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 2025-12-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation
State: AR

Complaint narrative:
Issue : Bridgecrest is inaccurately reporting the status and date information for a repossessed auto loan on my credit file. 


-- - What happened Bridgecrest is repeatedly updating a repossessed auto loan as recently closed, even though the repossession and account closure occurred in 2019. 

I am not disputing the repossession itself I am disputing the inaccurate dates Bridgecrest continues to furnish to the credit bureaus. 

The account is being updated as though activity occurred recently, which is incorrect and harmful. 

Because of this, the account appears newer and more recent than it actually is, which negatively affects my XXXX XXXX by resetting the Date Updated and making it appear that negative activity happened recently. 


-- - What I have done so far I reviewed all three of my credit reports and confirmed the incorrect recently closed/updated status that Bridgecrest is XXXX. 

I disputed the inaccurate information with the credit bureaus. 

I contacted Bridgecrest directly to request correction, but the inaccurate updates are still occurring. 



-- - Why this violates the FCRA Under the Fair Credit Reporting Act ( FCRA ), data furnishers must : Report accurate information Not repeatedly update an old account with misleading or incorrect dates Properly investigate and correct disputes Not refresh the Date Updated in a way that makes a negative account appear newer when nothing has changed Bridgecrest is failing to comply with these obligations by furnishing misleading and incorrect date information about an account that has been closed since 2019. 


-- - What I want the CFPB to do I am requesting that the CFPB require Bridgecrest to : 1. Correct the Date Closed to reflect the actual 2019 closure/repo date 2. Stop updating or refreshing the account as recently closed or recently updated 3. Correct the inaccurate reporting across all credit bureaus 4. Provide written confirmation that the credit reporting has been corrected

Company response to consumer: Closed with explanation