vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX XXXX XXXX XXXX XXXX XXXX  1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

The filing I completed in XX/XX/XXXX was sent back in error from Transunion denying my request stating that I needed a report from a reporting entity. That is incorrect based on the above information. I have attached the original request with the notary received initially. I have had to seek bankruptcy due to this matter, and I have attached that to this complete. Furthermore, I received notification of a Security Breach from a third party company dated XXXX and have filed a dispute with the FTC 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 2025-03-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Page 7 of my loan agreement states total system size XXXXXXXX XXXX XXXX potential from XXXX XXXX XXXX solar panels is being intentionally throttled to a size of XXXX due to XXXX potentially-dangerously undersized inverters. This throttling was not disclosed or agreed upon in the contract and is a breach of said contract. 

Page XXXX of the attached spec sheet from XXXX, left hand side, shows the XXXX inverter, as installed on my system. It lists a " Peak Output Power '' of XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the same thing as a XXXX XXXX XXXX  ). XXXX x XXXX = XXXX. Therefore, my total system size is XXXX, despite XXXX stating in my contract with you ( Dividend ) that it is XXXX system. XXXX will NEVER be achieved- the brightest, direct sun, at high-noon under ideal conditions will produce XXXX, or XXXX over an hour, it will never product XXXX as contractually agreed upon. 

The system needs to either meet specifications, be removed with loan cancelled, or {$6700.00} must be returned to me via a cashier 's check ( 33 % of the system cost of {$20000.00} ). Someone should really look into how many people XXXX is tricking with this deceptive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/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 2025-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hello. I moved out of a house I was renting in XXXX XXXX, California on XX/XX/year>, and my landlord returned a portion of my security deposit to me in the amount of {$2000.00} today on XX/XX/year>. We decided to use XXXX because my landlord was having trouble sending the money electronically through other apps such as XXXX. I had an inactive XXXX account that I re-activated so that I could get my security deposit returned to me. The money went through to my XXXX account successfully. However, after I tried transferring this money to my bank account, I received a notification that my XXXX account was suspended for " suspicious activity. 'XXXX XXXX  has requested a photo copy of my Driver 's License and for me to reset my password in order for them to consider reversing this suspension. I have now done both of these things that they requested and am waiting to hear back from them. They said that it will take up to 7 business days for them to make their decision and get back to me. 

This is very frustrating and I needed that money for a time-sensitive manner, and I should not be denied access to what is rightfully mine because of a technicality. I expect better security and transparency from XXXX as a company and for them to have safeguards in place that can still allow for security without unexpected account suspensions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: CO

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: CO

Complaint narrative:
I recently reviewed my credit report and discovered several inaccuracies that are adversely affecting my credit score. These inaccuracies include accounts that I do not recognize. Attached, you will find a detailed list of the accounts and entries in question. 

I am currently in the process of purchasing a house for my family, and it is critical that my credit report accurately reflects my financial history to ensure fair and favorable mortgage terms. I urge you to review the attached documents thoroughly and remove the inaccurately reported accounts as required by the Fair Credit Reporting Act. 

Your prompt attention to this matter will not only help rectify errors in my credit report but also facilitate a significant life event : the purchase of our family home. 

I appreciate your immediate action in resolving these discrepancies.

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to dispute incorrect information on my credit report. The inaccurate data appears on my report and is negatively impacting my credit score. Specifically, the issue involves incorrect account balance, late payment that was on time. 

I have already taken steps to resolve this matter such as contacting the creditor, submitting a dispute through the credit bureau. However, the issue remains unresolved. 

I am requesting that the company investigate this matter and correct the inaccurate information as soon as possible. I am prepared to provide any necessary documentation to support my claim. Please confirm receipt of this dispute and provide an estimated timeline for resolution.

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 2025-03-12 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: AZ

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX : account XXXX XXXXXXXX / XXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXX Account XXXX ) In accordance with The Fair Credit Reporting Act, Public law 95-506, Title VI, Section 611, Subsection A-D, please provide the name and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. 
These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
am disputing several late payments reported by multiple creditors on my credit report. These late payments were not a result of negligence on my part but instead were caused by circumstances beyond my control, including technical errors with automatic payments, processing delays, and miscommunications regarding billing cycles. 

I have already attempted to resolve these inaccuracies directly with the creditors, but they have either failed to provide proper verification of the reported late payments or have refused to correct them despite my valid disputes. Under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau 's guidelines, I have the right to dispute any inaccurate, unfair, or unverifiable information on my credit report. 

Attached to this complaint, I have included individual dispute letters for each late payment in question, detailing the specific accounts and reporting errors. I request that the CFPB review these disputes, hold the creditors accountable for inaccurate reporting, and ensure that the errors are corrected in compliance with federal law.

Failure to correct these inaccuracies may result in further action, including filing complaints with other regulatory agencies and pursuing legal remedies. Please investigate this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

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 2025-03-12 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:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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 2025-03-12 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: GA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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 non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am the victim of identity theft. My Social Security number and information was used to fraudulently open up a XXXX wireless cell phone contract. I have previously disputed the fraudulent collection account with Experian. I also filed a police report and a Federal Trade Commission identity, theft affidavit. The fraudulent collection with XXXX XXXX is still on my Experian account. Collection account XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> social security number XXXX XXXX XXXX I also reached out to XXXX XXXX corporate relations letting them know about the fraud 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 2025-03-12 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: MI

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
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 2025-03-12 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: MI

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
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 2025-03-12 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: SC

Complaint narrative:
On XX/XX/XXXX my identity was stolen and someone applied for a XXXX XXXX account and activated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I filed a report with XXXX In XXXX I had a data breach with Equifax and I have several accounts on my credit report that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: SC

Complaint narrative:
On XX/XX/XXXX my identity was stolen and someone applied for a XXXX XXXX account and activated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I filed a report with XXXX In XXXX I had a data breach with Equifax and I have several accounts on my credit report that is not mine.

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