vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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: NJ

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-07-25 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: NY

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: Sunlight Financial LLC
State: TX

Complaint narrative:
Company I am complaining about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Charged for a loan related to fraudulent or failed home improvement service I financed a {$59000.00} solar panel system through Sunlight Financial ( loan serviced by XXXX XXXX XXXX ) in XXXX. The installer, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ), went bankrupt shortly after the system was installed, and is no longer supporting, servicing, or maintaining the equipment. 

The loan agreement states that repayment is required regardless of system performance, but I was misled into thinking I was protected by warranties and guarantees. I am now stuck with over {$70000.00} in debt for a product that may not be operational or deliver the promised energy savings. I am requesting a full investigation, a loan freeze, and potential cancellation due to vendor bankruptcy and breach of contract. 

I have attempted to contact Sunlight Financial to suspend or resolve the loan and have not received appropriate relief. 

Loan amount : {$59000.00} Monthly payment : {$220.00} for 17 months ; {$310.00} after unless a lump sum is paid This loan is financially affecting my family and I

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services, 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : 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 explanation
Consumer complaint received 2025-07-25 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: TX

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

1681c-2 ) that you, the Equifax Information Services , 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$440.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Financial Warranty LLC
State: DC

Complaint narrative:
Financial warranty advertised that they would contact the Creditors and Dispute Balances. Their Services included stopping the Calls and Improving My Credit score.I was told to make logs and send in to them. I did Everything I was told. They said if I was not pleased, I could stop the Service. The Harassing calls never stopped and my Credit score never improved. When I tried to stop the debit from my Account, they changed the amount of the debit to separate Transactions so it would continue. The charges continued after I contacted my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Debit card attached to my bank account was scammed or duplicated. Over XXXX transactions took place on my account ( causing my Savings account to also overdraft trying to cover the transactions ), as well as overdraft fees. i am still ALSO paying monthly maintenance fees on my accounts. they have denied multiple of my claims, and sent me a letter advising that i call XXXX for copies of the documents used " for the decision to denial the claim ( XXXX ) ''. 

i called today and spoke to someone at Bank of America to ask copies of the denial documents and was told there were none. 

Claim XXXX was approved for {$450.00} of the {$460.00} ( debited me XXXX ) Claim XXXX was denied for {$6800.00}. 
Claim XXXX for {$500.00} was denied. 
Claim XXXX for {$450.00} is pending, but i am not hopeful. 
Claim XXXX is pending as well. unsure of amount because there are so many claims and their website is so confusing. 

There was a Rush transaction for {$15.00} for a card on XX/XX/year> that was not me. All highlighted yellow transaction on the XXXX statement are not me. 

the green highlight is the bank providing temporary credits when i reported the CC fraud ( i did not discover it until i went to the bank and was told there were a bunch of transactions that were not mine ). i have never been to XXXX XXXX XXXX and have ZERO AUTHORIZED USERS ON MY ACCOUNTS. i was in XXXX  visit friends and family from XXXX. 

i filed chargeback requests and got temporary Credits on my accounts on XX/XX/year>. 

they reversed almost all of the credits on XX/XX/year> ( highlighted in pink ). i have been fighting with them ever since and opened appeals. today i called and they told me there was no one i could talk to about it further and that they could not reopen or escalate the reviews. i asked to file a complaint with their XXXX XXXX XXXX XXXX XXXX and was told that was not an option. 

they took my tax returns and my social security and the money i get from my part time job, and my life savings. How can Bank of America take all of my money and tell me it was me when i have never been to XXXX. Please help. 

THIS IS ELDER ABUSE.

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
Consumer complaint received 2025-07-25 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: NC

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-07-25 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: TX

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: IL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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:
In XXXX, I entered into a financing agreement under deceptive and predatory circumstances with a dealership that partnered with XXXX XXXX XXXX. The vehicle was defective from the outset and became inoperable shortly after delivery. I barely drove the car and immediately raised concerns regarding the legitimacy of the transaction and the loan terms, which were misrepresented and lacked clear, informed consent. Due to the fraudulent nature of the sale and financing, I took prompt action to disengage from the contract. Despite these facts, XXXX XXXX continues to report this account as a valid charge-off. I am requesting the removal of this item, as the transaction does not meet the standards of a bona fide or enforceable credit agreement and should not be reported as a valid debt.

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 2025-07-25 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: WI

Complaint narrative:
I have been trying to get assistance with my mortgage since Ive had to undergo a XXXX XXXXXXXX. I was given a few different options that I assumed would help me keep the payments valid enough not to make it to the consumer reports reopen, and it did. It makes it so much worst, that I am unable to pull out the equity on the home to make major repairs now my consumer report is making me look very bad to the consumers looking when I was supposed to be in a program that protected me from this anyhow. I believe I made it XXXX day or so late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: WI

Complaint narrative:
I have been trying to get assistance with my mortgage since Ive had to undergo a XXXX XXXXXXXX. I was given a few different options that I assumed would help me keep the payments valid enough not to make it to the consumer reports reopen, and it did. It makes it so much worst, that I am unable to pull out the equity on the home to make major repairs now my consumer report is making me look very bad to the consumers looking when I was supposed to be in a program that protected me from this anyhow. I believe I made it XXXX day or so late

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 2025-07-25 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: CA

Complaint narrative:
Unauthorized access to my credit report by multiple companies has resulted in direct and measurable harm to both my credit standing and credit score. I previously contacted your agency and was assured that these unauthorized inquiries would be removed ; however, they still appear on my report. This ongoing failure to take corrective action is unacceptable. 

The continued presence of these potentially fraudulent inquiries raises serious concerns about identity theft and is causing significant emotional and financial distress.

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 2025-07-25 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:
These unauthorized inquiries are concerning and may reflect potential identity theft. I request that you investigate and remove them. Attached are relevant documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: CBC Companies, Inc.
State: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: TX

Complaint narrative:
This is a formal notification that an unauthorized and fraudulent account is being reported under my name. I have never had any dealings associated with this account, and its presence is a clear error or result of identity compromise.

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 2025-07-25 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: DE

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 2025-07-25 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:
I submitted formal disputes regarding inaccurate account and personal information to TransUnion, Experian, and Equifax. The bureaus failed to complete a proper reinvestigation within 30 calendar days, as required by the Fair Credit Reporting Act under 611 ( a ) ( 1 ) ( A ). No supporting documentation or method of verification was provided to confirm the accuracy of the disputed information. Per 611 ( a ) ( 5 ) ( A ) ( i ), all unverifiable data must be deleted. Their failure to respond appropriately violates my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: OH

Complaint narrative:
I have already filed this complaint and your organization closed the complaint wrongly without contacting me and while ignoring the specifics of my complaint. 

XXXX XXXX  lied about my paperwork involving a dispute against XXXX in which XXXX DID IN FACT REIMBURSEME ME AFTER THE FCC SIDED WITH ME! 

I made every effort to contact XXXX XXXX  immediately upon being reimbursed and the phone representative lied, saying the dispute would cancel once the credit cleared after XXXX reimbursed me. ( I have written letters after I filed complaints with the FCC. ) Additionally, XXXX XXXX  claims I did not fill out the dispute paperwork. This too is a LIE! I FILLED IT OUT IN PERSON AT THE BANK AND THEY FAXED IT THE SAME DAY! THE TELLER ACCOUNTED TO THIS AND NOTIFIED HIS SUPERVISOR THAT THE PAPERWORK WAS FAXED OVER ON TIME! 

XXXX XXXX  also refused to accept a forwarding address for MY MONEY! Two supervisors and the same teller who faxed over my dispute paperwork all tried to get XXXX XXXX  to accept the forwarding address in which they REFUSED! ( keep in mind, i did not violate rules and this is my money! ) Your organization, CFPB closed my complaint wrongly without contacting me at all and without addressing the specifics of my original complaint, COMPLAINT ID # XXXX =============== I will be escalating this matter in every way possible and have contacted the XXXX. I will now contact them concerning your organization as well. 

I will never do business with XXXX XXXX  again, but will retain an attorney to get my money back if need be. This is ethically and morally wrong. I broke no rules. My dispute was actually won in my favor through the FCC and I have several forms of proof from emails involving both XXXX and the FCC. 

I demand my money sent to my new address and I will not give up fighting for it. The CFPB seems to exist only in name without serving consumers or taking these types of matters seriously. 

Shame on you people. Shame on US Bank.

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