vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Solar Mosaic LLC
State: FL

Complaint narrative:
This is a solar company that came in our neighborhood knocking on doors selling solar systems for houses. We were told that we would not have an electric bill once the panels and system was installed. which was a lie. we still have an electric bill. 
at the time I was not aware These solar company used my signature and social security by monetizing them and used the trust to pay for the system. Then acting like they loaned me the money to pay for the system. The signature on the PROMISSORY NOTE is legal tender. When they received the payoff from the treasury, at that point the system should have been considered to be paid for and I should have never had to make payments for this transaction. This FRAUD, IDENTITY THEFT and federal offense.

Promissory Notes, credit agreements, bills of exchange and checks are defined as legal tender or money.

By Statutes in such as : 12 USC-1813 ( 1 ) ( 1 ) UCC 1-201 ( 24 ) section 3- 104 section 8- 102 ( 9 ) section 9 -102 ( 9 ), ( 11 ), ( 12 ) ( B ) ( 49 ), ( 46 ) .These statutes define a promissory note or security to be negotiable
( IE ), Sellable because it is a financial instrument asset.

Pursuing to Title 31 USC section 5118 ( d ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: IL

Complaint narrative:
I like to file a complaint against Equifax, Experian, and Transunion for reporting these accounts on my credit profile I did not give permission to furnish my credit report with these negative items " Deptednelnet '' Several class action lawsuits have been filed against XXXX, a major student loan servicer. These lawsuits allege various misconducts, including : 1. Miscalculation of Income-Driven Repayment ( IDR ) Plans : One lawsuit claims XXXX miscalculated monthly payments for borrowers on income-based repayment plans, leading to higher payments than required.

This miscalculation reportedly impacted a borrower 's ability to qualify for a mortgage due to an inflated debt-to-income ratio. 
The XXXX article mentions that the lawsuit aims to cover all consumers with West Virginia addresses who were impacted by this miscalculation. 


XXXX. Breaching Servicing Agreements and Violating Laws : Another lawsuit, filed by, alleges that XXXX breached its servicing agreement with the federal government. 
This lawsuit claims that student borrowers are intended third-party beneficiaries of the agreement and were harmed by XXXX 's XXXX. 
It also alleges that XXXX violated state and federal laws in its loan servicing practices. 


XXXX. Failure to Provide Adequate Notice Regarding IDR Recertification : The Massachusetts Attorney General 's Office reached a settlement with XXXX for {$1.00} XXXX due to allegations of failing to adequately communicate with borrowers about maintaining access to affordable payments. 
Specifically, the investigation found that XXXX 's communications between XXXX and XXXX failed to comply with federal regulations regarding notice of IDR recertification deadlines.

4. Misleading Borrowers and Falsely Reporting to Credit Bureaus : A XXXX thread suggests that borrowers have experienced issues such as misapplied payments, inflated balances, and false reporting to credit bureaus. 

These accounts must be removed from my credit report, they're showing a payment history which is INVALID I never paid a student loan a day in my life which means this is inaccurately reporting.

Note : It is important to note that class action lawsuits are ongoing legal proceedings, and the allegations have not been proven in court. not to mention the Ferpa violation, and XXXX violating student education records, Tax data, and personal information. XXXX has violated ferpa by accessing student loan data. 

Please handle this investigation properly thank you for you attention and time. 

Thank you, 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 2025-05-20 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: IL

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: IN

Complaint narrative:
These accounts were not opened by me and appear to be fraudulent. I urge you to conduct a detailed review and remove them from my credit report. Relevant supporting documents are attached.

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 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I paid with XXXX last XXXX for {$120.00} and have been getting a cash advanced fee ever since. I spoke with some agent on the phone and got sent to the supervisor XXXX for a " better explantation '' who said that ANY XXXX or XXXX transaction will get an interest charge that compounds daily. She stated any payment over the minimum payment goes toward the highest APR ( cash advance ). I asked her how I can pay over {$1500.00} in a month and a half and it was still not payed off? She could not answer and kept repeating the script. She refused to even try to help. I was just told either pay off the card or keep paying the fee. I have been with capital one for over XXXX  years and I do not know how long they have been charging me this fee. The furthest back fee i can see in XXXX of XXXX  so I am scared to see how long they have been doing this for and to how many people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: MI

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit file. I am a victim of identity theft, and there are multiple accounts and inquiries listed on my credit report that I did not authorize or apply for. These items are not accurate and do not belong to me.

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized accounts and inquiries from my credit report. Attached to this letter, you will find a list of the disputed items as well as a copy of my Identity Theft Report filed with the Federal Trade Commission. 

Please take the necessary steps to investigate and delete these items from my credit report as soon as possible. I appreciate your prompt attention to this matter and request written confirmation once the corrections have been made.

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 2025-05-20 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 XXXX ( MO ) 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 2025-05-20 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: IL

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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 2025-05-20 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 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 2025-05-20 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: FL

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 non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
Mr Cooper/ illegally made a loan with my father 's house. He was not the sole heir of the property. They made a deal with him without my knowledge.. My brother in 2020 tried to get a covid relief modification and was denied. He tried to make payments they would not take them. And now the hous3 is going into foreclosure. They agreed last week that they were going to work with him and 5 days later rescinded the offer of putting they owed amount on the the back in. Now the home is being foreclosured. We had a seller but Mr told them we were not selling and them they changed their minds after being told several times that they were working with him. My father also had mortgage insurance on the home as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: FinCo Services Inc DBA Current
State: PA

Complaint narrative:
I have my credit locked due to identity theft. I received a congratulations on your new credit card email on Saturday, XX/XX/XXXX. I reviewed the note in XXXX identity protection and saw that it was originated at a bank in XXXX XXXX, XXXX XXXXXXXX XXXX. I was able to contact a representative on Monday, XX/XX/XXXX. I was informed that the lender for the card does not complete credit checks prior to providing a card and that at least XXXX was on the card. The card was deactivated, and I was told that it was submitted to the fraud team. The fraud team only communicates by email ( XXXX ). I wanted information on this criminal activity and was told due to privacy that I am not permitted any information without a court order or subpoena - WHAT! The person had all of my information ( social, address, birthday, ect ) and they are protected from me! I believe that all of my personal information was leaked from XXXX. I have had problems ever since - phone calls, scamming emails, impersonations. My information is probably sitting on a desk in a call center with a target on my back. My question for Current is why are they not checking for locked credit before issuing a card? I expect the entire account to be wiped clean ASAP. 
Other

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: GA

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

Company 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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AK

Complaint narrative:
I am filing a complaint against Experian for failing to respond to my dispute requests in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/scrub> 2025, I mailed a dispute letter to Experian via certified mail ( Tracking # XXXX ), requesting an investigation into inaccurate items appearing on my credit report, as well as the correction of incorrect personal information. To verify my identity, I enclosed the following supporting documents : A copy of my government-issued identification A copy of my Social Security card A recent utility bill showing my current address Despite providing all necessary documentation, I did not receive any response or the results of an investigation from Experian. 
On XX/XX/year>2025, I mailed a second dispute letter, yet as of today, I have still not received any response, update, or acknowledgment of my dispute. 
Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), Experian is legally obligated to conduct a reasonable reinvestigation of disputed information when a consumer notifies the agency of inaccuracies. By failing to properly investigate my dispute Experian is legally obligated to conduct a reasonable reinvestigation of any disputed information. Experians failure to respond or investigate indicates a violation of my rights as a consumer.

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) assist in addressing this matter and ensuring that Experian fulfills its obligations under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
The derogatory rating on my account has become a major source of distress, with tangible financial consequences already materializing. My recent loan application was denied, and interest rates on my existing credit accounts have increased, creating both financial hardship and emotional strain that continues to affect my daily life and financial planning until this matter is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: IL

Complaint narrative:
Subject : Formal Dispute of Unauthorized and Inaccurate Debt Reporting FCRA and FDCPA Regulation F Violation To Whom It May Concern, I am writing to dispute an account that your company is reporting on my credit report. I have not given permission for this debt to be reported, and I believe it to be inaccurate, unverified, and in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), including Regulation F. 



This account " XXXX XXXX XXXX  '' appears to have been reported without my knowledge, consent, or proper validation. I demand a detailed method of verification, including but not limited to : The full name of the person interviewed to verify the alleged debt The telephone number that was called The date and time of the conversation The organization or business you contacted Any documentation you relied upon to validate and report this debt As required under the FCRA and FDCPA, you are obligated to ensure that any information you report is accurate and can be verified. If you are unable to provide documented proof of this accounts validity and your authority to report it, you must immediately remove it from all credit reporting agencies to which it was furnished. 



Please consider this letter as a formal dispute and request for validation under 15 U.S.C. 1692g and a notice of your obligation to conduct a reasonable investigation under 15 U.S.C. 1681i.

If I do not receive a proper response with complete verification and validation within 30 days of your receipt of this letter, I will take further action, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. 



Sincerely, 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 2025-05-20 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 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 non-monetary relief
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KS

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 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-05-20 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
made payment arrangements with XXXX for the past due balance to be paid in installments.

Company response to consumer: Closed with explanation