vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Subject : Formal Dispute of Inaccurate/Unverified Accounts under Regulation F, FCRA, CDIA, and Metro 2 Guidelines Dear [ Credit Bureau or Furnisher Name ], This letter is a formal dispute concerning inaccurate, incomplete, and/or unverifiable information being reported on my consumer credit report in violation of 15 U.S.C. 1681i, 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), Regulation F under the CFPB, and Metro 2 reporting guidelines established by the CoXXXX XXXX XXXX XXXX ( XXXX ). 
I am requesting an immediate investigation and deletion of the following negative items that are either : - Inaccurately reported- Not compliant with Metro 2 formatting- Unverified under 15 U.S.C. 1681i - In violation of Regulation F ( 12 CFR Part 1006 ) These accounts must be thoroughly investigated and verified under FCRA standards. If the data furnisher can not provide competent evidence and complete documentation verifying the accuracy and permissible purpose for reporting this information, it must be permanently deleted.

Per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the bureau or furnisher is required to conduct a reasonable reinvestigation. Furthermore, under 15 U.S.C. 1681e ( b ), you are obligated to ensure the maximum possible accuracy of any information reported.

In addition, under Regulation F 12 CFR 1006.34, debt collectors are required to provide itemized validation notices and ensure all communications comply with debt collection rules. Any account that has not followed these rules can not be legally reported.

I am also demanding that you ensure that these accounts are : - Reported with complete and accurate fields per Metro 2 Format - Do not violate FCRA 623 obligations to report accurate data - Properly coded, especially for charge-offs and collections XXXX XXXX XXXX  If these accounts are not deleted : Failure to comply with these federal regulations and your own internal procedures ( per the XXXX guidelines XXXX could result in legal action. I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 
You have 30 days to complete this reinvestigation and provide a response, as required by law. 
Please send me a detailed summary of your reinvestigation, including : - The method of verification - The name and contact of the individual or department that verified each item - A copy of all supporting documentation used in the process Sincerely, XXXX XXXX Enclosures : Copy of Drivers License, Social Security Card, Proof of Address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: FL

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX  I submitted disputes on all three dates to the credit bureaus for inaccurate and inconsistent information being reported on my credit report. This did not fix the problem, and the last disputed submitted Experian stated that they did not think that it was me, so they did not conduct a reinvestigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: NC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: IL

Complaint narrative:
I am asking for your help to review accounts from these companies that are wrongly reporting late payments. After reviewing my credit report, I noticed some accounts showing incorrect late payment marks. There should be no late payment remarks on these accounts, so please remove them and update the accounts to show as positive and current.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sunlight Financial LLC
State: NC

Complaint narrative:
Subject : Complaint Against Sunlight Financial & XXXX XXXX ( XXXX XXXX ) - Deceptive Practices, Loan Misconduct, and Equipment Failure To Whom It May Concern, I am filing this complaint against Sunlight Financial and XXXX XXXX ( formerly XXXX XXXX ) regarding my solar energy installation and associated financing. I reside in North Carolina, and the project was installed at my home in XXXX, NC. 

Background * I entered into a contract with XXXX XXXX ( later rebranded as XXXX XXXX ) on XX/XX/year>, to install a solar system including a Generac battery backup. 
* The loan for {$66000.00} was financed through Sunlight Financial, serviced by XXXX XXXXXXXX XXXX 
* My first loan payment was processed on XX/XX/year>, even though the system was not officially completed or approved by the electric company until XX/XX/year>. 
* The battery, valued at approximately {$20000.00}, has almost never worked since installation. 
* I repeatedly contacted both XXXX and Sunlight Financial about ongoing issues, but the problems were never resolved. 
* XXXX XXXX eventually declared bankruptcy, leaving me with a defective system and no warranty or service. 
Misrepresentations & Financial Harm * I was verbally promised that : * | would not have an electricbill 9 out of 12 months peryear. 
* My loan payments would not increase if I paid back my solar rebate ( they increased regardless ). 
* XXXX XXXX would service and repair the system for the life of the loan at no charge. 
* None of these promises were honored, and they were not disclosed as estimates or projections. 
Violations & Relief Sought I believe Sunlight Financial : * Breached their loan agreement by disbursing funds prior to confirmed installation completion.

* Continued collecting payments despite documented system failures.

* Participated in a predatory financing relationship with a now-bankrupt contractor.

I am seeking an investigation into : * The premature funding and loan activation.

* Deceptive or fraudulent sales practices and lending coordination. 
* Financial relief, loan modification, or potential discharge due to product non-performance.

I would greatly appreciate any action your office can take to hold these companies accountable and assist consumers left in financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I added a new external checking account to my OpenBank savings account. When I tried to deposit money from my new checking account to my OpenBank savings I got an error and the transaction disappeared. When I called OpenBank they looked on their end and told me to try again. This time the transaction appeared to go through. A couple of hours later I received an email saying the transaction failed. When I called OpenBank they said that the account was under review and I would hear from them within 24-48 hours.

The next day I went to log on and my account shows as " blocked '' in the OpenBank app. When I called they, again, told me that my account was under review and I should hear back within 48 hours. They could not tell me anything about why my account was blocked or why it was under review. 

After the weekend I called again on XX/XX/XXXX and was told that a blocked account could take 60 days to review. I said that I can't be cut off from my savings for 60 days and requested to be forwarded to someone who could give me more information. They said that there was no phone number for the review department and that I just had to wait 60 days. 

At this point all I want is to close my account and get my money back. Maybe this will get someone at OpenBank to reach out who can give me some information or do something about this?!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
In XXXX, I applied for and received a Parent PLUS Loan through XXXX to support my daughters enrollment at a university in XXXX XXXX XXXX, I initiated loan repayment via autopay through my bank, and this arrangement remained in place for XXXX years until it was disrupted during the XXXX pandemic. Without my consent or prior notification, Aidvantage discontinued my autopay service. 
More recently, Aidvantage attempted to restart the autopay ; however, they were unable to obtain my authorization because they were using an outdated email address and failed to contact me through any alternative means. Earlier this month, I was alerted by my credit monitoring service that my credit score had dropped dramatically, from XXXX to XXXX overnight. This was due to Aidvantage reporting my loan as over 90 days delinquent. 
Upon learning of this, I immediately paid the outstanding balance and re-enrolled in autopay. I also contacted Aidvantage to request the removal of the delinquency from my credit report, as I was neither informed of the autopay cancellation nor the failed attempts to reinstate it. Despite this, Aidvantage has declined to make any corrections. 
My formal complaint is that I did not authorize the cancellation of my autopay service, nor was I adequately informed of any issues related to its reinstatement. As a result, I am now burdened with repairing damage to my credit that was not caused by any action or inaction on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
LOANS CREDIT ACCEPTANCE CORPOR Last reported : XX/XX/XXXX We Think You Could Save {$13000.00} Good Overview You've paid off 4 % of the original amount. 
Balance {$13000.00} Highest Balance {$14000.00} Monthly payment Opened Term {$390.00} XX/XX/XXXX ( XXXX mos ) 60 months LOANS CREDIT ACCEPTANCE CORPOR Last reported : XX/XX/XXXX We Think You Could Save {$13000.00} Good Overview You've paid off 4 % of the original amount. 
Balance {$13000.00} Highest Balance {$14000.00} Monthly payment Opened Term {$390.00} XX/XX/XXXX ( XXXX mos ) 60 months Wrong Addresses on my credit report XXXX  XXXX XXXX XXXX XXXX, NY XXXX SINGLE FAMILY @ 46 XXXX XXXX 
XXXX XXXX XXXX XXXX, NY XXXX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, NY XXXX SINGLE XXXX XXXX RXXXX XXXX XXXX XXXX, NY XXXX SINGLE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SAUGERTIES, NY XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX NY XXXX. 
Wrong family name and phone numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I have reported this person to the FTC as well and I also have a police reported date back to XXXX when I was aware. I also have a letter from the IRS confirming tax fraud in my name when I have tried to file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: VT

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/XXXX, I received an email about my savings account being locked. I called the company many times over the week requesting information on the reasons ; they refused to provide any, and continue to use vague words on what I could do. I had to pay extra to notarize my signatures and use ineffective ways to communicate with the companies, and to this day, XX/XX/XXXX, my account is still locked. All my savings are in the account, and I couldn't pay my credit card or my rent, which has caused me XXXX of dollars worth of damage. Marcus by Goldman Sachs should not have the power to lock up people 's accounts without any reasoning and forcing people to do extra just to access the funds I've deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: CA

Complaint narrative:
I spoke with a manger today at Transunion requesting an Account be blocked that was opened fraudulently Creditor : XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$49000.00} Status : Charged Off Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX The manager said on the phone that they will not provide me verification of the account and or information he said they will not provide it to me at all. That is a direct violation of my rights under FCRA SECTION 611 ( a ) ( 6 ) ( B ) ( iii )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: TX

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: NY

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
reviewed my credit report and noticed several inaccuracies. I sent a letter to TRANSUNION in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: NJ

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX Subject ; Formal dispute regarding inaccurate information on my credit report Dear Experian Im writing to formally dispute inaccurate information on my credit report that I believe is arming my financial well-being. Im aware of my rights on the Fair credit reporting act I request thorough investigation into this inaccuracies as required by law.

Recently, the Customer Financial Protection Bureau filed lawsuit against Experian for its failure to properly investigate, consumer, disputes, citing sham, investigations, and other Unlawful practices. These practice as unlined by the CFPB include : Conducing inadequate investigation that fell to address consumer disputes properly. Reinserting previously dispute and inaccurate information without explanation, failing to notify consumers about investigation result, effectively. 
These allegation, highly systematic news that directly on their mind, consumer protections and perpetuate the inclusion of inaccurate information on credit reports I am deeply concerned that my dispute mishandled it in a similar manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am disputing multiple inaccurate names and addresses being reported on my credit file by Equifax. My correct legal name is XXXX XXXX XXXX, but Equifax continues to report false name variations like ( XXXX XXXX XXXX ), ( XXXX XXXX XXXX ) and ( XXXXXXXX XXXX XXXXXXXX ). These are not all INACCURATE. 

Additionally, there are multiple addresses listed that I have never lived at, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have lived at the same address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) for XXXX  years. Reporting false addresses violates the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), which requires credit bureaus to ensure maximum possible accuracy. 

I also requested that EQUIFAX update my employment status to XXXX, but they have not. These errors are causing harm and confusion.

Company response to consumer: Closed with non-monetary relief