vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX came to my home in Florida to sell me on an energy efficient solar panel. They told me that it would eliminate all but {$25.00} from my XXXX XXXX, which is what they told me is the minimum amount I would have to pay XXXX. After having the system for nearly 2 years, it has never reduced my electric bill to just {$25.00}. In fact, sometimes my electric bill is as high as {$100.00}. The company never gets back to me unless they come to my door and then they are very pushy and try to sell me more panels. I do NOT want more panels and please do NOT have this company send anymore salespeople to my door - I have a no solicitation sign and the HOA does not allow solicitation so I'm not sure how they are allowed to keep coming around. 

When I checked my loan documents, I was promised a XXXX. So I checked my energy production of my solar system using the enphase website. It turns out, they only installed a system that is XXXX. I attached my contract that clearly shows the agreed XXXX system. I also attached screenshots of my energy production throughout the year on full sun days. You can see in the pictures, that the system never produces above XXXX and that is why my bills are so high.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
My personally identifiable information was accessed without my knowledge or consent by XXXX XXXX and the XXXX team. They are non-governmental employees who lack the necessary permission to access said information. I was made aware of this federal audit on XX/XX/year> when several news articles from various news sources explained that this data breach occurred and my information was obtained illegally. A XXXX complaint had already been lodged with the Department of Education. XXXX  is not an official entity of the government and does not have the right to access personal information of borrowers. This is not within the parameters of the Privacy Disclosure Agreement and a clear violation of The Family Educational Rights and Privacy Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: MI

Complaint narrative:
I am filling this complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. & 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U. S. C. & 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation. Remove All late payments are reporting on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I paid my bills on time and these should not be reporting as late on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am reaching out to express serious concerns about errors I have discovered in my credit report. Upon reviewing it, I identified multiple inaccuracies, including incorrect account listings, unauthorized inquiries, billing discrepancies, and accounts that do not belong to me. These issues are negatively affecting my financial stability, and I urgently require your assistance in resolving them.

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 2025-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am reaching out to express serious concerns about errors I have discovered in my credit report. Upon reviewing it, I identified multiple inaccuracies, including incorrect account listings, unauthorized inquiries, billing discrepancies, and accounts that do not belong to me. These issues are negatively affecting my financial stability, and I urgently require your assistance in resolving them.

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 2025-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Upon opening a checking account with Trust Bank, I anticipated receiving a {$400.00} credit upon making two deposits exceeding {$500.00}. However, after four weeks of verification, I wa

s informed that the credit would be processed. Despite contacting customer service twice, I have only received confirmation that my account was opened under the specified promotion. However, they have been unable to provide an explanation for the credit not being applied.

Initially, I was considering switching financial institutions due to this enticing promotion. However, the unfulfilled promise of a {$400.00} credit has left a negative impression. Despite the credit being promised for direct deposits, I have yet to receive any funds in my checking account over six weeks.

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 2025-03-13 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: TRANSWORLD SYSTEMS INC
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX XX/XX/year> Subject : Request for Student Loan Review and Potential Deletion Due to FERPA Violation Dear [ Loan Servicer 's Name or Department ], I am writing to formally request a review of my student loan records in light of potential FERPA violations that may have impacted my loan eligibility, terms, or disbursement. Under FERPA, I have the right to privacy and accurate record-keeping regarding my educational history.

Upon reviewing my records, I have identified discrepancies/misuse of my educational information, including but not limited to unauthorized release of education records This violation affected my loan, such as an fraudulent use of your records. In accordance with FERPA regulations and consumer protection laws, I request:1. A full review of my student loan records and any errors caused by improper record-keeping or data misuse.2.A correction or deletion of any inaccurately reported loan amounts or disbursements.3. Written confirmation of the findings of this review within 30 days of receipt of this letter.If this matter is not resolved, I am prepared to escalate my complaint to the U.S. Department of Education 's Federal Student Aid Office and file a FERPA complaint with the Family Policy Compliance Office ( FPCO ). My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full. Please confirm receipt of this request and provide guidance on the next steps. You may contact me at XXXX or XXXX for further discussion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Nelnet, Inc.
State: IL

Complaint narrative:
XXXX XXXX and the DOGE has violated my privacy and breached my personal and sensitive information through the Department of Education. The breach started XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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 2025-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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 non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have had the same credit score for XXXX months despite continuing to reduce my debt. It appears that my score has plateaued below XXXX, which is preventing me from obtaining low-interest credit cards and loans. I contacted the reporting agencies and have not received any response to my inquiries. It seems to me I am being kept below the XXXX mark, so I will continue to have to accept these high-interest products.

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 2025-03-13 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: NY

Complaint narrative:
My credit report shows late payments that arent accurate. Ive disputed these with the credit bureaus, but the issue still hasnt been resolved. The account in question shows late payments, even though Ive always paid on time as agreed. Ive asked the credit bureaus to provide proof of these late payments, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: FL

Complaint narrative:
I am reaching out to express serious concerns about errors I have discovered in my credit report. Upon reviewing it, I identified multiple inaccuracies, including incorrect account listings, unauthorized inquiries, billing discrepancies, and accounts that do not belong to me. These issues are negatively affecting my financial stability, and I urgently require your assistance in resolving them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Hello, I was reported for a XXXX  day late payment from Navy Federal Credit Union. I explained to them that the bank I used to process the payment had internal errors prohibiting the payment to be remitted which resulted in a XXXX  day late payment and closure of the credit card. I am in the process of purchasing a home and this late payment history is hurting me. This reporting is for a credit card XX/XX/year> and a loan/line of credit in XX/XX/year>.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am writing to formally dispute an account listed on my credit report due to identity theft. I have attached a copy of my Federal Trade Commission ( FTC ) Identity Theft Report for your reference. 

The account in question is as follows : - **Account Number : ** XXXXXXXX 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 XXXX XXXX XXXX XXXXXXXX I believe this account does not belong to me, as I am a victim of identity theft. I did not authorize any transactions or open any accounts with this creditor. 

According to the FTC Identity Theft Report, I request that you investigate this matter and remove this fraudulent account from my credit report. Under the Fair Credit Reporting Act, I am entitled to free disclosure of my credit report and error correction for fraudulent information. 

Please let me know if you require any further information or documentation to resolve this dispute. I would appreciate your prompt attention to this matter and confirmation of the actions taken in response to this letter. 

Thank you for your assistance.

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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: CA

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXXXXXX

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 2025-03-13 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-03-13 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: LA

Complaint narrative:
Complaint Against XXXX XXXX XXXX Improper Credit Reporting After Divorce I am submitting this complaint against XXXX XXXX XXXXXXXX XXXX XXXX  ) due to their continued misreporting of an auto loan on my credit file, which is no longer my financial obligation under a legally binding divorce decree. 
The auto loan in question, account number # XXXX. However, following my divorce in XX/XX/year>, the vehicle and its associated loan were legally awarded to my ex-husband as part of the court 's ruling. From that point forward, he has been the sole party responsible for this debtNOT me. 
Despite this, XXXX continues to report this account under my name, causing severe financial harm. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that creditors must accurately report account responsibility. 
Harm Caused by This Violation : My credit score has dropped between XXXX and XXXX points due to this error. 
I have been denied financing for my own vehicle because of this wrongful reporting. 
This has caused me substantial financial hardship and distress, all due to XXXX negligence. 
To make matters worse, my ex-husband recently totaled the vehicle, and while his insurance covered the loss, there was a waiting period before his gap insurance kicked in. During this time, no payments were made, resulting in further late payments being reported on my credit file. However, his failure to make payments is not my legal responsibility under the divorce decree, and XXXX has no right to continue holding me accountable for a loan that is not mine. 
Immediate Demand for Resolution : Remove this auto loan account from my credit report immediately. 
Cease all inaccurate reporting to the credit bureaus regarding my responsibility for this loan. 
Provide written confirmation that my name has been fully released from this financial obligation. 
Final Warning : If XXXX does not correct this issue immediately, I will escalate this matter to the Office of the Comptroller of the Currency ( OCC ) or the Federal Deposit Insurance Corporation ( FDIC ), one of which is your financial regulator. These agencies do not take violations lightly and impose heavy fines on lenders who fail to comply with legal obligations. 
You can either resolve this now, or you can explain it to federal regulators. The choice is yours

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