vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-05 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:
My name is XXXX XXXX, and I have written to each of the credit reporting agencies advising that they have incorrect information on my credit report that must be changed, and they have not complied with my request. So, I am writing to see if the CFPB could step in and aid me in getting this corrected, before I hire an attorney to sue them. 

I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Some opened up fraudulent accounts in my name using that address. The address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX must be removed from my credit report and blocked. The following accounts were opened fraudulently at that address and must be removed and blocked under section 1681c2. Block of information resulting from identity theft ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The fraudulent accounts are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX or be suited for section 1681n. Civil liability for willful noncompliance ( a ) In generalAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the 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 non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp.
State: IN

Complaint narrative:
World remit canceled and close my account and has never yet refunded the XXXX to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: SC

Complaint narrative:
In XXXX  we financed a residential solar system through XXXX, based on promises made by a now-bankrupt solar installer called XXXX XXXX XXXX XXXX XXXX XXXX ). We were assured the system would significantly offset our power bill and produce enough energy to justify the loan. Unfortunately, that has not been the case. 

XXXX XXXX made misleading and aggressive claims about system performance and future cost savings. Our XXXX loan was approved and disbursed based on these representations. We now know they used dealer fees and inflated projections, which have been the subject of multiple legal actions, including arbitration wins and a XXXX XXXX lawsuit. 

We are currently paying $ XXXX on a {$78000.00} loan for a system that underdelivers and was installed by a company no longer in business. We were left with no recourse through the original installer, and XXXX has refused to assist or take accountability despite their financial partnership with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Between XXXX and XX/XX/year>, I applied for auto loans through XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, and Wells Fargo Auto Finance. All applications were denied. Upon investigation, I found that my credit report was temporarily frozen at the time due to prior identity theft concerns. 

These lenders denied my applications without notifying me of the issue or giving me an opportunity to unfreeze my credit and resubmit. I was also not provided proper adverse action notices, as required by the Fair Credit Reporting Act ( FCRA ). 

These actions violated my rights under the FCRA in the following ways : XXXX XXXX XXXX XXXX They attempted to access my report without success due to a credit freeze, yet failed to notify me or obtain proper permission to proceed. 

XXXX XXXX XXXX XXXX ( a ) They did not provide complete and timely adverse action notices, which must explain the specific reasons for denial and the source of the credit report used. 

XXXX XXXX XXXX  XXXX ( a ) ( XXXX ) ( A ) I was not given a reasonable opportunity to dispute or correct any inaccuracies or resolve the freeze issue before a final denial was issued. 

XXXX XXXX XXXX XXXX ( b ) The lenders failed to ensure the maximum possible accuracy in evaluating my creditworthiness, using incomplete data. 

These companies acted negligently by making credit decisions on frozen or inaccessible reports and by not complying with legally mandated consumer notice procedures. I am requesting an immediate investigation, correction of these denials, and confirmation that these events will not negatively affect my credit or eligibility moving 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 2025-07-05 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I'm reviewing my credit report and noticed unauthorized inquiries. I'd like to request an investigation to verify them. Can you provide the details of how these inquiries were authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: New Southern Loans, Inc
State: NC

Complaint narrative:
I'm reviewing my credit report and noticed unauthorized inquiries. I'd like to request an investigation to verify them. Can you provide the details of how these inquiries were authorized

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 2025-07-05 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: MI

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-05 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: MI

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: OH

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-07-05 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: EQUIFAX, INC.
State: OH

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX XXXX Code XXXX 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 ( XXXX ) and the XXXX XXXX XXXX XXXX XXXX XXXX  ), 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 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 2025-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: IL

Complaint narrative:
Discover Bank has deliberately mishandled a valid credit card billing dispute ( Dispute # XXXX ). I purchased a {$730.00} furniture item ( " XXXX XXXX XXXX XXXX XXXX Stand, '' Order # XXXX ) from merchant OpenTip.com, which was delivered not only upside down, but it was also damaged, structurally unsound, materially misrepresented, and unusable. The product did not match the merchant website 's listing of knotty alder solids and veneers, instead consisting almost entirely of ( and possibly 100 % of ) cheaply constructed XXXX, veneers, and plywood. The item arrived visibly damaged, staples detached, a support beam split, doors improperly assembled, severe chemical odor, creating an immediate hazard. 

I reported this to Discover, meticulously providing detailed documentation, including : Comprehensive photographic evidence clearly showing damaged construction, poor workmanship, and misrepresented materials. 

Full dispute packet with clear timelines, email correspondence with merchant ( who ignored my complaints ), and documented attempts at good-faith resolution. 

Discover initially provided a temporary credit, pending merchant response. After receiving generic documentation from the merchant, Discover reversed this credit on XX/XX/year>. Despite receiving thorough documentation from me within the provided 15-day window, Discover ultimately found the transaction valid on XX/XX/year>, without meaningfully addressing my submitted evidence or explaining their reasoning. 

On XX/XX/year>, Discover reconfirmed their position, falsely declaring the transaction " valid, '' despite overwhelming, documented proof of product misrepresentation, merchant negligence, and damaged delivery. 

- Discovers actions clearly violate my rights under the Fair Credit Billing Act ( FCBA ) : - They failed to conduct a genuine and thorough investigation.

- They unfairly favored merchant-provided documents without due diligence or objective verification.

They refused to acknowledge or consider clear proof of merchant wrongdoing and product defects. Their handling of this dispute constitutes deliberate disregard of statutory consumer protections. Because Discover denied my valid dispute, I remain both financially liable for the full purchase amount and stuck with a defective, unusable productcosts and burdens that a proper chargeback would have prevented. 

I have no " new evidence '' to provide, as Discover already possesses comprehensive proof of my claim. Their insistence on " new '' evidence is intentionally obstructive and an abuse of the dispute resolution process. 

I am requesting immediate CFPB intervention to compel Discover to rectify this bad-faith handling, fully reverse the disputed transaction ( {$730.00} ), and address their systematic neglect in this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MD

Complaint narrative:
In XXXX of 2024 I received a letter from Mohela that I owed a college loan. I never took out the loan. The verifying information they have is not me. I provided them with all the documents they requested to verify my identity. I contacted the FTC and submitted a police report. I submitted all required documents and XXXX  months later I'm still receiving bills in the mail. XXXX will call me back and when i talk to them on the telephone they say we'll have a supervisor call you and get this closed. 

I want this closed and a letter stating it has been closed and I'm not at fault for this loan. I had to provide numerous documents to prove my identity but the person that took out the loan in my name didn't provide any documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX Code XXXX 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 ( XXXX ) 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 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 2025-07-05 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX Code XXXX 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 ( XXXX ) 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 explanation
Consumer complaint received 2025-07-05 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:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time.

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-07-05 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief