vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: FL

Complaint narrative:
Under FCRA 1681s-2 ( b ), data furnishers are legally required to conduct a reasonable investigation upon notice of a dispute. The information they have furnished is inaccurate and unverifiable, yet they have continued to report it without correction. I am a victim of identity theft I have sent over an ftc report as well.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Experian Inquiries : 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 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 Equifax 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 2025-06-18 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/XXXX I opened a dispute with experian due to Identity Theft. I also had a report from the FTC that I included in the dispute letter that I mailed to Experian. After a few days, they removed two creditors, XXXX XXXX XXXX XXXX XXXX. 

Then around XX/XX/XXXX, The XXXX creditors they initially removed due to my identity theft claim suddenly reappeared on my credit report again. They offered no explanation, and I submitted two more disputes and FTC report copies were also sent via the USPS. They did their " investigation '' each time and refused to remove the information they had already removed once before. I called their customer service department and they were of no help either. After submitting the last dispute, Experian told me that they will not open any more disputes unless I have new information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: Solar Mosaic LLC
State: FL

Complaint narrative:
I got my XXXXXX/XX/XXXX financed through Mosaic a loan servicing platform. in XXXX I tried to get XXXX to service my panels as they were not operational. They never did and I was trying to see how I could get the panels removed/my loan through Mosaic to get canceled since at that time I still owed over {$35000.00} on these nonoperational panels. 
Several employees at Mosaic said I needed to get a certified letter from XXXX to release me from the loan obligation. 
XXXX I tried to still get either XXXX to XXXX or send the letter. They filled Bankruptcy and closed their doors. 
After this filing I called Mosaic back and only then was I told that per the contract even with a letter I would not be able to get the loan changed/cancelled. I asked for that contract and never got it and now they are filing for Bankruptcy. 
As a consumer I feel this is an unfair process as they will now get government finances and a slate wiped clean and I still have to pay {$28000.00} to them for panels that are not working. 
I have great credit and will not default on the loan and hurt my side. I have literally got XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to pay my bills even if not in full and still in debt but paying my debts. An organization/company can not pay or afford there bills and just get to file bankruptcy and still get the same payments they were getting before without penalty. 
Where are the consumer protection rights in a case like this?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: FL

Complaint narrative:
Student loan accounts from XXXX were reported to my credit file without my written consent, violating FERPA regulations. I submitted a prior dispute to the credit bureau but received no evidence of authorized disclosure. This continues to harm my credit and breaches both FERPA and FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: VA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 2025-06-18 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: VA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 2025-06-18 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: OH

Complaint narrative:
I previously sent two formal notices dated XXXX of original and follow-up letters ], both of which clearly outlined Experians ongoing willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and the Ohio Consumer Sales Practices Act ( CSPA ) . These included your failure to : Correct inaccurate credit entries after multiple disputes under 15 U.S.C. 1681i. Maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ). Report disputed debts properly under 15 U.S.C. 1692e ( 8 ). Remove false personal identifiers and unauthorized address entries. Experians continued failure to correct these inaccuracies, conduct proper investigations, or acknowledge my previous arbitration demand demonstrates willful noncompliance and bad faith. This has directly resulted in : Damage to my credit score and reputation Denial of housing and financial services Emotional and financial distress Experian was given final Opportunity to Resolve Before Arbitration I do not receive a written response within 5 calendar days from the date of these letters including : Full deletion of the disputed tradelines and false identifiers

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-06-18 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The original creditor charged off my account and sold it to a third-party collection agency. Despite this, they continue to report new missed payments every month after the charge-off XXXX XXXX, XXXX. At that time, the account was approximately XXXX to XXXX  days past due ( about XXXX to 6 months of delinquency ) This is inaccurate and violates the Fair Credit Reporting Act ( FCRA ), which prohibits reporting ongoing delinquencies after an account has been charged off and sold. The account should reflect a charge-off status, with no further missed payments beyond that date. 

This incorrect reporting is seriously damaging my credit score. I disputed this with the credit bureaus, and I also contacted the creditor, but they did not correct the information or provide a valid explanation.

I am requesting that the account be updated to reflect the accurate status : charged off and sold, with no missed payments reported beyond the date of charge-off.I am writing to demand immediate corrective action regarding serious and ongoing violations in the reporting of my closed Bank of America account XXXX ending in XXXX ), which was officially charged off on or around XX/XX/year>. 

Despite this charge-off, both Bank of America and XXXX have continued to report missed payments for over XXXX months, creating a false and damaging credit history. These actions constitute a direct violation of the Fair Credit Reporting Act ( FCRA ) and have caused substantial and measurable harm to my credit score and financial reputation.

As a result, I am requesting the following : 1. A formal written apology from both Bank of America and XXXX for the negligent and unlawful reporting ; 2. Immediate deletion of all late payments reported after the charge-off date from XXXX XXXX XXXX XXXX XXXX XXXX  Full removal or forgiveness of the charged-off account, as a gesture of responsibility and resolution ; 4. Consideration of monetary compensation for the damages caused by your inaccurate and abusive reporting ; 5. Confirmation in writing that all credit bureaus have been notified and that my credit score will be restored.

If these actions are not completed within 15 business days, I will be forced to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), pursue legal action, and expose this misconduct through all available channels.

Your failure to comply with the law has not only caused personal financial harm it has undermined my trust as a consumer. 

I expect a swift response and resolution. 

Sincerely, 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 2025-06-18 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: NM

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC
State: OH

Complaint narrative:
In XX/XX/year>, I applied for and was approved for a loan of {$30.00} from Dave, Inc. I agreed to repay the {$30.00} by XX/XX/year>. Due to financial hardship, I was unable to repay this loan on the agreed date. 

On XX/XX/year>, Dave , Inc. withdrew {$15.00} from my bank account without notice. Due to this unexpected withdrawal, it caused my account to go into overdraft and causing financial strain and stress as I'm not able to pay for other essential bills that I have outside of Dave, Inc. I immediately reached out to Dave support to get a resolution for this issue, and I received a response from an automated email chat bot. It was asked of me before continuing to resolve my issue that I verify sensitive information, including my Social Security Number, via email. As anyone would, I did not feel comfortable sharing such sensitive information via email. I kindly asked if there was any other way-other than via email- to verify my identity such as a secure link or portal. I received no reply from Dave support after that. 

Today, XX/XX/year>, I seen on my bank transactions, after freezing my account from these unauthorized withdrawals, that Dave , Inc. withdrew a {$3.00} fee from my bank account. I did not authorize or give formal consent to Dave, Inc. to withdrawal this amount. I reached out to Dave support again via email, including a follow-up with my previous email, and as well as including them withdrawing an unauthorized charge of {$3.00}. I received reply again from an automated email bot, not an actual human being representative.

In addition, I received email notifications from Dave prior to these XXXX transactions stating that my bank account was disconnected and would need to be reconnected in order to continue using their services such as cash advances, spend tracking, and etc. I received another email notification with the same message on XX/XX/year>. 

This further confirms that Dave, Inc. should not have had access to my account at the time of the withdrawals, as the account was considered disconnected according to their system. If there was any miscommunication between my bank and Dave, Inc. that is not at my fault, it would be on Dave, Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: CA

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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:
TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX RE : XXXX  Block Request To Whom It XXXX Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 non-monetary relief
Consumer complaint received 2025-06-18 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: CCS Financial Services, Inc.
State: OH

Complaint narrative:
Accounts were closed and now the collection agencies are calling me. XXXX XXXX  {$450.00} XXXX XXXX  {$430.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WLCC
State: TX

Complaint narrative:
In XX/XX/year>, I revoked ACH authorization for a loan company called Explore Credit to withdraw funds from my bank account. I made this revocation because I was not in a financial position to make payments. 

Despite this, on XX/XX/year>, Explore Credit manually created and processed two checks using my account information without my permission or signature. The amounts withdrawn were {$110.00} and {$38.00}, for a total of {$150.00}. These funds were taken directly from my unemployment benefits, which I rely on to cover essential living expenses.

This was an unauthorized withdrawal, and I never approved or signed off on any checks. I had intentionally removed their ACH access prior to these transactions. I contacted my bank, but they refused to return the money. I also contacted Explore Credit, and they have refused to refund the money or take accountability.

I am now facing financial hardship as a result. I am requesting that the CFPB assist in investigating this unauthorized transaction and help recover my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Since the beginning of the home loan I informed the employee that I did not live in the home, my daughter and grandkids did that I lived in XXXX. NO PROBLEMS. The day before I was to sign he came back with oh.. I can't get you that loan but you can have this one for {$180.00} more a month and shorter term at higher rate. 
THIS IS DECEPTIVE!! wasted my time and money since I had to pay for a home inspector. I have many emails were I told him I didn't live in that house! I should be refunded due to his errors!!!!!!! NOthing i had done.

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 monetary relief