vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I paid my last payment with XXXX XXXX XXXX XXXX ( XXXX ) in XXXX. They tried charging me {$16.00} for mailed billing. I spoke with a supervisor and he told me theyd waive the {$16.00} because I paid off the account before that charge was sent to me. Now, my credit score is dropping because they have sent me to collections. 
I cant log into the XXXX website because they never sent me a credit card, and you need a card number to log into your account.

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 2025-07-06 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: FL

Complaint narrative:
The name of this account is XXXX. Disputes actions were done sometime in XXXX, XXXX, and XXXX. I sent a copy of the validation letter from the creditor to Experian, along with my previous complaint that the information on the report could not be validated. 

Therefore, Experian should have deleted the late payments from my credit report. I have hired an attorney, and he directed me to file a complaint again, and if the late payments information is not deleted from my credit report, a lawsuit will be filed immediately.

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 2025-07-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
This involves a solar company called suntria. They sent out a solar salesman who made all sorts of promises including telling us about the huge rebate check from the government at the end of the year. Which would've paid most of our loan off which is through Goodleap. This is the third year after doing taxes and its still carried forward. Now our payments have went up with Goodleap due to us not giving them the so called rebate check. Now we can not even afford the payments and they refuse to work with us at all. The salesman told us that all of his friends got their rebate check and spent all the money and it was so easy to get. We definatly got swindled by this salesman. Now Goodleap has shut our solar off and will probably be sueing us soon. 

Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Subject : Formal Dispute and Request for Removal of Unauthorized Hard Inquiries Under 15 U.S.C. 1681 Dear CCF INTERMEDIATE HOL I am writing to formally dispute XXXX or more unauthorized hard inquiries that have been reported on my credit file. I recently obtained a copy of my credit report and noticed the following hard inquiries which I do not recognize, nor did I authorize : Inquiries in Question : XXXX XXXX XXXX XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( c ), a consumer reporting agency may only furnish a consumer report to a party that has a permissible purpose, and only with the authorization or knowledge of the consumer. I did not authorize these inquiries, and no permissible purpose was granted.

Furthermore, 15 U.S.C. 1681b ( f ) clearly states that it is unlawful for any person to obtain a consumer report unless it is for a purpose authorized by the FCRA and the consumer consents.

Under 15 U.S. Code 1681i, I am requesting an immediate reinvestigation and deletion of these unauthorized inquiries from my credit report. If you are unable to verify that I gave written permission for each of these hard inquiries, they must be removed immediately. 

Please provide the following documentation : The name and address of the party that initiated the inquiry ; A copy of the written authorization that bears my signature allowing the inquiry ; The stated permissible purpose under which the inquiry was made. 
If these inquiries can not be fully verified within XXXX days as required by law, they must be removed in accordance with 15 U.S. Code 1681i ( a ) ( 5 ) ( A ). Failure to comply will result in my right to pursue remedies under 15 U.S. Code 1681n and 1681o, which provide for actual and statutory damages, as well as attorney 's fees for willful or negligent noncompliance with the FCRA. 

Please send me written confirmation that this matter has been resolved and that the inquiries have been removed or properly verified. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: Fidelity National Information Services, Inc. (FNIS)
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Email : XXXX Date : XXXX XXXX To Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Formal Complaint Against ChexSystems for Identity Theft and Unauthorized Use of Personal Information To Whom It May Concern, My name is XXXX XXXX, and I am writing to file a formal complaint against ChexSystems for their unlawful handling of my personal and financial data, which has resulted in identity theft and the unauthorized buying and selling of my information for financial gain. 

These companies have accessed and distributed my sensitive personal information without my permission, which directly violates multiple federal laws, including : 15 U.S. Code 1681b The Fair Credit Reporting Act ( FCRA ) : Regulates the use and disclosure of consumer reports only for permissible purposes.

15 U.S. Code 6801 and 6802 Gramm-Leach-Bliley Act : Requires protection of the privacy of consumer financial information and limits disclosure.

18 U.S. Code 1028 Identity Theft : Addresses fraud and related activity in connection with unauthorized use of identification information.

As a result of their actions, I have suffered financial damage, privacy violations, and the misuse of my identity. I hereby demand : 1. Immediate deletion of any and all information connected to me from their databases.

2. A permanent cease-and-desist on the use, sale, or sharing of my information.

3. Monetary damages for the harm caused, as allowed under 15 U.S. Code 1681n and 1681o, which allow for actual and statutory damages in cases of willful and negligent noncompliance.

This is an urgent matter, and I demand action within four ( 4 ) business days of receiving this complaint. Failure to act will result in legal action and formal complaints with additional state and federal agencies.

Please confirm receipt and provide a written response detailing the actions taken. 

Sincerely, 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 explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: MI

Complaint narrative:
I asked for debt validation and documents with my wet signature stating this is my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: PA

Complaint narrative:
Upon enrolling for one course during covid I was told by the enrollment counselor that I would not owe anything for the course in agriculture and environmental sustainability. My intent was to enhance my life and my childs. Instead I was later surprised to see the there were apts denying us a home due to this being a collection. I have contacted the school to gain more info on what happened and requesting an itemized bill. The person that explained that I would receive a check and not have any balance to repay no longer worked ther and those I spoke to did not have the info.

I am requesting this be removed from my credit report as it appears TWICE and has created housing instability. 

In addition, I worked as an Instructor for 2 years at XXXX XXXX XXXX XXXX and from my research this should have helped with knowing about this and forgiving the one course if it was not a grant but rather a loan ; however, the debt seems unreasonable for one online course with no materials issued.

Please help 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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
Upon enrolling for one course during covid I was told by the enrollment counselor that I would not owe anything for the course in agriculture and environmental sustainability. My intent was to enhance my life and my childs. Instead I was later surprised to see the there were apts denying us a home due to this being a collection. I have contacted the school to gain more info on what happened and requesting an itemized bill. The person that explained that I would receive a check and not have any balance to repay no longer worked ther and those I spoke to did not have the info.

I am requesting this be removed from my credit report as it appears TWICE and has created housing instability. 

In addition, I worked as an Instructor for 2 years at XXXX XXXX XXXX XXXX and from my research this should have helped with knowing about this and forgiving the one course if it was not a grant but rather a loan ; however, the debt seems unreasonable for one online course with no materials issued.

Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have called multiple times to have the information removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: MOHELA
State: CA

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromise without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request an immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons from my request ; Violation of the family education rights and privacy act ( FERPA ) ; My student records were disclosed without my consent, Violating FERPA 's strict confidentiality protections. Breach of the privacy act of 1974 ; My personal and financial information was improperly access and shared without my authorization of my privacy rights under federal law. Violation of the higher education act ; As a student loan borrower, my information should have been protected, by the mishandling of my data demonstrates a failure to hold these legal protections. Breach of contract and Negligence ; The entity responsible for safeguarding my data failed to do so putting my financial security at risk and authorize disclosure to third parties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
I made a purchase on XXXX on XXXX for a discounted renewal service at XXXX XXXX XXXX XXXX Upon attempting to checkout on XXXX, the first attempt did not work so I tried again which everything seemed to go through fine. The {$44.00} was taken from my account balance, I received order verification from XXXX as well as further instructions for redeeming the purchased voucher. I followed the steps as required but continued receiving an error message that said * invalid code ''. About XXXX minutes after I had completed the transaction on XXXX I received a text message from Cash app with a verification code. I didn't understand why I was receiving it because my transaction was complete or so I had thought. At this time I decided to contact Cash App by chat to see why I had received the verification code and what I needed to do with it at which time the agent began insinuating that somehow XXXX had made or attempted to make a fraudulent purchase. The agent began saying that XXXX had failed to process the transaction which was Why it was pending. The agent continued to place blame on XXXX, refusing to admit that it was CashApp who blocked the payment. Each time I brought up that it was Cash app that was in the wrong the agent repeated the same ridiculous lines. Not only did the agent fail to take responsibility on behalf of Cash App but also continued placing blame on XXXX and even suggested that I contact my local law enforcement and said that Cash app would work with them to investigate the issue. The only issue is that cash app refuses to release the payment for the transaction I made with XXXX and the customer service representative refused to do anything except place blame on the merchant. I have never encountered such an unprofessional, frustrating and incompetent platform as CASH APP and I have use multiple similar platforms. CASH APP is withholding my money from a merchant that has every right to take the funds from my account because I purchased something from them, but instead of doing their job they instead block it, keep it pending and tied up and then act as if it's the merchants fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX & XXXX Acct. => Is Reporting inaccurately on my Personal Consumer File & 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 non-monetary relief
Consumer complaint received 2025-07-06 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: NJ

Complaint narrative:
Creditor Name : XXXX XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. 
Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Creditor Name : XXXX XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. 
Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.

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 2025-07-06 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: GA

Complaint narrative:
i sent letters to experian about the inaccurate and incomplete information they are reporting on my credit report and i would like for this information be validated and deleted in a timely manner. i have attached a copy below for your reference

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 2025-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I tried to open a checking account with XXXX XXXX Bank, but they informed me that I have already opened an account from the past that was unpaid, as well as a bank account from Regions Bank, but I have no knowledge of this account. I was not informed of the date of when each of these accounts were opened using my name and identity, but i have attached a FTC ID Theft Report to this, from the Federal Trade Commission.

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 2025-07-06 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: TX

Complaint narrative:
These hard inquiries dont belong to me, havent been authorized by me, and need to be removed. Also, this one too. Thanks. 

- XXXX ( XXXX ) - XXXX XXXX XXXX ( XXXX ) - XXXX 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 explanation
Consumer complaint received 2025-07-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These hard inquiries dont belong to me, havent been authorized by me, and need to be removed. Also, this one too. Thanks. 

- XXXX ( XXXX ) - XXXX XXXX XXXX ( XXXX ) - XXXX 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 explanation