vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solar Mosaic LLC
State: FL

Complaint narrative:
I am filing this complaint because I am being charged by Solar Mosaic ( XXXX # XXXX ) for a XXXX loan even though the solar system installed by XXXX XXXX never operated correctly for over a year, causing severe financial loss and unjustified billing. 

Here is what happened : My XXXX XXXX was installed by XXXX XXXX in XX/XX/year>, including XXXX XXXX  and a XXXX XXXXXXXX XXXX 

Although the installation was physically completed, XXXX XXXX failed to configure the system correctly, including : Failure to activate or configure the XXXX XXXX Failure to establish monitoring access Failure to ensure that excess XXXX XXXX  was exported to the XXXX XXXX Failure to ensure the XXXXXXXX XXXX was charging/discharging properly according to net-metering rules On XX/XX/year>, XXXX approved my XXXX XXXX Agreement and issued XXXX 

Despite XXXX approval, my system did not generate bill credits, did not reduce my XXXX XXXX, and was not exporting XXXX to the XXXX 

Throughout the entire XXXX period, I continued receiving full XXXX bills every month, as if I had NO XXXX XXXX at XXXX also being required to make monthly loan payments to Mosaic. 

I repeatedly contacted both Mosaic and XXXX XXXX over many months requesting : XXXX XXXX  Confirmation of proper system activation Monitoring access Explanation for lack of XXXX credits and high electricity bills XXXX XXXX repeatedly said the system was working, but XXXX confirmed that my meter was properly registering production meaning the issue is with the XXXX XXXX XXXX XXXX XXXX XXXX 

As a result : I paid more than XXXX  months of XXXX bills at full price I was also charged monthly by Mosaic for a solar system that did NOT function The financial damage has been substantial Because the system never worked properly, I stopped paying Mosaic while attempting to resolve the issue Mosaic is now threatening collections, even though I should not owe for a system that never provided the contracted benefit I am requesting CFPB intervention because Mosaic is attempting to collect a debt for a system that has not delivered the promised functionality, and both companies failed to resolve the problem despite repeated attempts on my part. 

This is unjustified billing for an unusable product, and I have been financially harmed for over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
This is a follow-up complaint regarding Experian 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( XXXX ), Truth in Lending Act (XX/XX/XXXX), and the Gramm-Leach-Bliley Act (XX/XX/XXXX ). Despite my previous disputes, the same problem remains unresolved. Experian repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. XXXX ( a ). 
Under XXXX Title XXXX, Section XXXX, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. XXXX of the XXXX imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( XXXX ), cXX/XX/XXXXified at 15 U.S.C. XXXX et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Experian to potential regulatory and civil liability.

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 2025-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: CT

Complaint narrative:
This is a follow-up to my prior CFPB complaints XX/XX/XXXXXXXX andXX/XX/XXXXXXXX. 
After I filed those complaints about unauthorized charges and Chimes refusal to provide provisional credit, Chime permanently closed my entire account on or about XX/XX/XXXX, 2025 in clear retaliation. 
Chime then submitted deceptive responses to both prior complaints : In XX/XX/XXXXXXXX they pretended my dispute was still active and I would receive an email resolution while knowing my account was already closed and I could no longer receive emails or access the app. 
InXX/XX/XXXXXXXX ( the retaliation complaint itself ) they falsely claimed the complaint was about old XXXX disputes instead of the retaliatory closure. 
These are deliberate misrepresentations to the XXXX. 
As a direct result of the retaliatory closure I have been locked out of XX/XX/XXXX Unknown and unable to resolve active disputes. 
I demand immediate return of all funds, reimbursement of any overdraft/NSF fees caused by the closure, and compensation for the substantial harm caused by this retaliation. 
See attached screenshots and prior Chime responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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. CXX/XX/XXXXe XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of 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. CXX/XX/XXXXe XXXX ( XXXX ) and 15 U.S. CXX/XX/XXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXX/XX/XXXXe XXXX, 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 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: ADP Inc.
State: MN

Complaint narrative:
The client approved XXXX XX/XX/XXXX at XX/XX/XXXXXXXX ( {$560.00} total ). After approval, they manually reduced the hours and added an unauthorized penalty with no published policy. XXXX ( ADP ) refused to correct it or escalate, and paid me only {$450.00}. I am owed the remaining {$100.00}. XXXX response : This is not a situation that meets the requirements set by the Escalation Team, and unfortunately, I can't escalate. We recommend that you seek outside counsel to determine the best way to handle this off-platform. 
The buyers own program has no written late/cancellation policy that allows a 20 % ( or any percentage ) penalty, and no mention whatsoever of penalties for canceling part or all of a multi-day assignment ( even with short notice ). 
There is no posted rule about committing to all days, no penalty schedule, and nothing disclosed before or after acceptance. 
Buyers can not invent penalties or manually override logged time on the fly that is strictly against XXXX rules. Any deduction requires a predefined, published policy and automatic system application or XXXX support approval, not dispatcher discretion. XXXX not enforcing their own rules.Payment Dispute Assignment ID XXXX Unauthorized adjustment after Invoiced. Not showing up on day XXXX it was clear on the ticket that it was a XXXXday assignment I gave XXXX XX/XX/XXXX notice on XX/XX/XXXXmorning that I could not return XX/XX/XXXX. Even if notice was short, there is no written rule or penalty schedule for partial or full cancellation of multi-day routes. 
Lack required deliverables in particular the signoff form which would have been from the end of the XX/XX/XXXX day The signoff form was a final customer signoff for the entire project, not a daily requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: FL

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during anXX/XX/XXXXdata breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
On XX/XX/scrub>, 2025, I submitted a balance transfer request with Citi that was scheduled to complete on XX/XX/year>2025. When it did not go through on the expected date, I called Citi on XX/XX/XXXX for clarification. 
I was transferred to a representative named XXXX, who told me the balance transfer had been cancelled. I did not authorize this cancellation. He claimed the cancellation was due to an incorrect postal address, yet he also stated that the transfer would be processed electronically, not by mail. The explanations were contradictory and did not justify canceling my request without my consent. 
I asked to speak with a supervisor. After waiting approximately XXXXXX/XX/XXXX a supervisor came on the line. She repeatedly told me I could just apply for another balance transfer instead of explaining why the original transfer was cancelled. When I pressed her for a clear explanation, she told me I needed to stop talking over her and then disconnected the call. This was unprofessional and left my issue unresolved. 
I have since submitted a new balance transfer online without any issues, but the handling of the original transfer and the conduct of the representatives were unacceptable.

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 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I request that this record be taken off my credit report and that written confirmation be sent 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 2025-11-22 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: AZ

Complaint narrative:
The following reporting account ar fraudulent please remove now. Transunion reports XXXX XXXX opened XXXX with the following accountnumber XXXX for {$1700.00}, XXXX XXXX opened XXXX with the following account number XXXX, XXXX XXXX opened on XXXX, with the following account number XXXX for {$18000.00}. Experian reports XX/XX/XXXX opened XXXX with the following account numberXX/XX/XXXX for {$1700.00}, XXXX XXXX opened XXXX with the following account number XXXXXX/XX/XXXXXXXX opened XXXX with the following accountnumber XXXX for {$18000.00}, Equifax reports XXXX XXXX opened XXXX with the following account number XXXX, XX/XX/XXXXXXXX opened on XXXX with the following account number XXXX for {$18000.00}.

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 2025-11-22 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: IL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: SC

Complaint narrative:
HWARFIELD is falsely reporting on my credit. I have never had any accounts with them. Per my research HWARFIELD is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 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: CA

Complaint narrative:
Experian violated my rights under the Fair Credit Reporting Act 605B. I submitted a complete identity-theft report package to Experian, including my FTC Identity Theft Report, my police report, my written block request, and copies of my identification. Experian received my documents and was required by law to block the fraudulent XXXX XXXX XXXX / XXXX collection account on my credit file within four ( 4 ) business days.

Experian did not block or remove the account as required under FCRA 605B ( c ). This failure to block the fraudulent information is a direct violation of the FCRA. Because Experian refused to comply with federal law, the fraudulent collection is still reporting on my Experian credit file and continues to harm my credit standing. 

I am requesting immediate enforcement action to compel Experian to comply with FCRA 605B, block the fraudulent collection account, and correct my credit report. Experians refusal to remove the identity-theft account after receiving the proper documentation is a willful violation of my federal consumer rights.

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 2025-11-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/year>, my husband called Discover on my behalf to request early withdrawals from several of my CDs. I was present during the call. During the call, the representative stated only that a penalty would apply, but did not disclose the penalty amounts or explain how the penalties would be calculated for any of the CDs. No penalty detailssuch as that a XXXX CD would incur a six-month interest penaltywere provided prior to the transactions. 

The representative proceeded to close all three CDs during the same call. XXXX of the CDs, both XXXX terms, were assessed a XXXX-month interest penalty each. A third, newly renewed CD, received a XXXX-month penalty. All penalties were deducted immediately, before any penalty structure or specific amounts were explained. 

Only after the withdrawals had already been completed did my husband question why the deductions were so large. At that pointafter all three CDs were already closedthe representative finally explained that XXXX CDs incur a XXXX-month interest penalty. If this information had been disclosed before processing the closures, we would not have proceeded. The penalties deducted from the CDs were substantial, particularly the XXXX CDs assessed XXXX months of interest each. 

A separate follow-up call later that evening was made solely to ask whether a refund or adjustment might be possible once we realized the penalties had already been deducted. 

I later attempted to resolve the issue with Discover. On XX/XX/year>, Discovers Executive Office informed me that my case was under review, but more than a month has passed with no written determination, despite my request for written communication. Instead, Discover attempted only phone contact and has not provided any written results. 

Because full penalty information was not provided prior to authorization and Discover has significantly delayed written communication, I am requesting CFPB assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: TX

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 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: TX

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-11-22 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 am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with explanation