vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 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: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am filing a complaint regarding a solar loan financed through Dividend Finance. 
My solar installer, XXXX XXXX, has gone out of business and abandoned my project. This has left me with a non-functional solar system that was never properly commissioned, yet Dividend continues to bill me. 

My XXXX inverter error logs show longstanding installation failures, not maintenance issues. These include : Error XXXX : No Country Selected system was never configured to operate Error XXXX : Meter Communication Error system can not measure or report production Error XXXX : Rapid Shutdown system entered emergency stop mode Error XXXX : XXXX XXXX XXXX/ Breaker Disconnection possible wiring/breaker installation failure Error XXXX : XXXX XXXX indicates incorrect voltage or mis-wiring These errors demonstrate the system has not been producing energy, is not operational, and may pose safety concerns. XXXX  XXXX failed to complete the installation and is no longer in business to correct any issues. 

Despite this, Dividend is continuing to collect payments on a system that does not function and can not be serviced. I have attempted to resolve this by contacting Dividend and requesting a non-performance review, payment pause, and investigation, but I have not received an adequate solution. 

I am requesting CFPB assistance to require Dividend to : XXXX. Pause the loan during investigation XXXX. Conduct a full non-performance review XXXX. Provide appropriate loan relief, up to cancellation, due to installer abandonment and system non-functionality I am prepared to provide screenshots of inverter errors, utility bills, and documentation showing Fluent Solar is out of business. 

Thank you for your assistance. 

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX Phone : XXXX Email : XXXX Loan Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I am filing a complaint regarding inaccurate and incomplete credit reporting on my Apple Card XXXX Goldman Sachs Bank USA ) account. 

My credit report shows this account as charged off and closed ; however, the information being reported contains several errors that violate the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX credit reporting guidelines. 

XXXX. Past-due amount is being reported after the account was charged off and closed The report lists a Past Due Amount of {$5500.00} even though the account is marked as charged off and closed by credit grantor. 
Once an account is closed and charged off, a past-due balance should not continue to be reported because there are no further scheduled payments. This is inaccurate and misleading. 

XXXX. The account is missing the required Date Closed information The report shows Closed : No Info. 
A creditor is required to furnish complete and accurate information, including the closed date. This missing data affects account age, scoring factors, and the XXXX reporting timeline. 

XXXX. Duplicate derogatory reporting ( charge-off + past-due ) The account is simultaneously reported as : Charged off Past due Worst status : charge-off This is duplicative and not in line with credit reporting guidelines, which state a charge-off should not also reflect an active past-due status. This harms my XXXX XXXX unfairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-27 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$590.00} - Date Opened : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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 recently reviewed a copy of my credit report. I was shocked to learn that there were fraudulent accounts. I found several accounts on my credit report that I had not opened. Please remove the fraudulent accounts from my credit report as soon as possible. 
XXXXXXXX XXXX XXXXXXXX Requested on XX/XX/2025 and XX/XX/2025 XXXX XXXX Requested on XX/XX/2025 XXXX  XXXX Requested on XX/XX/20XXXX XXXX XXXX Requested on XX/XX/20XXXX XXXX XXXX XXXX  XXXX on XX/XX/2025

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 2025-11-27 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: INDEPENDENCE HOME LOANS LLC
State: NC

Complaint narrative:
The company representative verbally offered me a 3.99 % initial mortgage rate, good for 6 months after closing, followed by an approximate rate of 4.75 %. I paid the required home appraisal cost of {$430.00}. Then they said I needed to provide proof of oxygen depletion sensors ( ODS ) on each of my heating units, which I sent pictures to confirm ODS compliance. Then things went dark... they would not answer my phone calls or my emails. I wanted to discuss getting my appraisal fee reimbursed. After approx. three weeks of no contact, I contacted the Better Business Bureau, and the company would not acknowledge the 3.99 % verbal offer, quoted the 4.75 % offer and refused to reimburse the appraisal fee I paid. It was the company that went dark, not me, so I considered the application process closed. I would like to get my appraisal fee back since they stopped the application process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: WV

Complaint narrative:
I purchased a vehicle in XX/XX/year> and financed it through Westlake Financial. As of XX/XX/year>, I still have not received any billing statement or payment information from Westlake. I have made multiple attempts to contact Westlake by phone and email to request that they send my payment details, but they have not answered my calls or responded to my emails.

I also contacted the dealership where I purchased the vehicle to ask for assistance, but they have been unable to provide any help or facilitate communication with Westlake.

Despite my efforts, I have been left without the necessary information to make my payments, which puts me at risk of being considered late through no fault of my own. I am submitting this complaint because I have been unable to obtain any support or required account information from the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-27 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: OH

Complaint narrative:
I am writing to file a formal complaint regarding several derogatory marks and collection accounts that have been reported on my credit file. I want to express not only the factual issues but also the personal hardship these negative entries have caused me. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I understand that I have the right to fair, accurate, and verifiable reporting of information on my credit report. I believe some of the entries listed are either incomplete, inaccurate, or do not meet the standard of proper verification. 

I have been facing serious financial difficulties that have made it impossible for me to keep up with these debts. I am not trying to avoid my responsibilities, but life circumstances have placed me in a position where I simply can not pay these balances at this time. These derogatory marks are now preventing me from moving forwardaffecting my ability to secure stable housing, reliable transportation, and basic financial opportunities. 

I am kindly requesting that the CFPB review my situation and assist in ensuring that the information reported about me is fully compliant with the requirements of the FCRA, including accuracy, completeness, and proper verification. I also ask for your help in ensuring that the creditors or collection agencies involved can provide documented proof that the debts are valid and being reported correctly as required by law. 

XXXX not just a file number or a credit report entryIm a person trying to rebuild and regain stability. These negative marks are weighing heavily on my ability to do that. Any assistance, investigation, or intervention your office can offer would mean a great deal to me.

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 2025-11-28 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: OH

Complaint narrative:
I am writing to file a formal complaint regarding several derogatory marks and collection accounts that have been reported on my credit file. I want to express not only the factual issues but also the personal hardship these negative entries have caused me. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I understand that I have the right to fair, accurate, and verifiable reporting of information on my credit report. I believe some of the entries listed are either incomplete, inaccurate, or do not meet the standard of proper verification. 

I have been facing serious financial difficulties that have made it impossible for me to keep up with these debts. I am not trying to avoid my responsibilities, but life circumstances have placed me in a position where I simply can not pay these balances at this time. These derogatory marks are now preventing me from moving forwardaffecting my ability to secure stable housing, reliable transportation, and basic financial opportunities. 

I am kindly requesting that the CFPB review my situation and assist in ensuring that the information reported about me is fully compliant with the requirements of the FCRA, including accuracy, completeness, and proper verification. I also ask for your help in ensuring that the creditors or collection agencies involved can provide documented proof that the debts are valid and being reported correctly as required by law. 

XXXX not just a file number or a credit report entryIm a person trying to rebuild and regain stability. These negative marks are weighing heavily on my ability to do that. Any assistance, investigation, or intervention your office can offer would mean a great deal to me.

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 2025-11-27 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-27 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland credit management will not leave me alone, they keep threatening to sue and garnish my wages but XXXX head of household to XXXX kids and they refuse to work with me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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 recently reviewed a copy of my credit report. I was shocked to learn that there were fraudulent accounts. I found several accounts on my credit report that I had not opened. Please remove the fraudulent accounts from my credit report as soon as possible. 

XXXX XXXX / XXXX {$100.00} past due ( XX/XX/XXXX ) XXXX XXXX XXXX {$580.00} past due ( XX/XX/XXXX ) Inquiries to be removed : XXXX 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$84.00} - Date Opened : XX/XX/year>

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 2025-11-27 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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