vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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: AR

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least XXXX  days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-10-31 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within XXXX days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$0.00} Account name TRXXXX XXXX  Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX XXXX XXXX Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$3800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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 understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: Paramount GR Holdings, LLC
State: AZ

Complaint narrative:
I am submitting this complaint regarding a solar financing loan with GoodLeap that was tied to my installation by XXXX XXXX XXXX ( contract signed on XX/XX/year> ). ( Total system cost : {$36000.00}, loan with GoodLeap, Term 25 years, XXXX XXXX, initial payment for XXXX  XXXX  months {$130.00}, Finance Charge {$21000.00}, Total payments {$58000.00} - the amount I would have paid had I made all payments as scheduled for the loan term ). 

XXXX XXXX XXXX has since filed for Chapter XXXX bankruptcy ( XXXX XXXX. XXXX, XXXX of Arizona ), which constitutes a default under my installation agreement. The contract included XXXX workmanship and roof warranties issued by XXXX, which are now void due to the companys liquidation. 

These warranties were part of the financed value of the project. I financed this system through GoodLeap, which disbursed funds to XXXX even though the contractors long-term obligations are now unfulfillable. 

I have contacted GoodLeap to dispute the validity of the loan on the grounds of : Contractor default and bankruptcy, Loss of the financed warranty coverage, and Possible misrepresentation of warranty and savings terms during the sales process. 

I am requesting that GoodLeap : Place my loan in dispute status while under review ; Provide proof of the completion certificate and payment disbursement ; and Consider loan modification, deferment, or partial forgiveness for the lost value of warranties and services. 

I have attached my signed XXXX XXXX XXXX contract, showing the XXXX warranties, and the XXXX bankruptcy notice. 

Please ensure this complaint is investigated under CFPB consumer protections for installment loan servicing and dealer misrepresentation. 


-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I am a young, first-time homeowner who had only been in my new home for about a month when a XXXX XXXX XXXX salesperson came to my door. They told me that by getting solar, my electric bill would be nearly XXXX and that I could even make money from the excess electricity my panels sent back to the grid. They also said solar would increase my property value. 

The sales presentation included XXXX warranties, specifically covering both the solar system and my roof, which made the offer much more appealing and was a major reason I decided to finance the system through GoodLeap. 

Since then, XXXX XXXX XXXX has filed for bankruptcy, leaving me with no valid workmanship or roof warrantyonly the manufacturers equipment warranty remains. I now have a financed solar system that Im fully responsible for, but the installers promises and warranties no longer exist, and my electric bills remain high. 

I feel I was misled by XXXX XXXX XXXX sales practices and am now paying for a system that does not provide the promised financial benefits or protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
Ok heres the dilemma theres an auto loan reporting from AMERICAN HONDA FINANCE account # XXXX {$15000.00} I have never had an auto loan with this company theres cleary an issue of identity, or date errors asking for immediate removal of account from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least XXXX  days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: SC

Complaint narrative:
XXXX XX/XX/year> my account was restricted by Sofi bank due to " violating policy ''. 
I called Sofi and they said there was some suspicious activity and I did confirm it was. I was told to call back the next day to confirm my identity and they could remove the restriction from the account. 
XXXX XX/XX/year> I called did the verification and was told an investigation needed to be completed and they have XXXX hours to complete it and provide me an update. So at this point my account is still restricted. 
XXXX XX/XX/XXXX I call back after missing a call from Sofi to be told my account is in closure status and a check will be mailed to me after the account is closed. I asked how long will it take to close the account and they couldn't provide me a timeframe. They only said it would take XXXX to XXXX business days after to check is mailed to receive it. I let them know that I was not an option as I don't currently have an address. I explained I am currently in the military and in training with no access to mail due to the furlough here on base. I told the rep that the day prior I was told I could have another account created and transfer the money over. The rep said that was not possible. After expressing my frustration and them not caring I asked to speak to a manager. After being on hold for close to XXXX minutes the rep came back on the phone and apologized many times saying there was an update to my account that he didn't see. He stated my account is not in closure and they will create a new account instead so the money can be transferred there. I asked for a timeframe and he again couldn't provide XXXX. He said the investigator needs to do his part and again I was told on the XXXX that they had XXXX hours to give a conclusion. So wasn't sure what he needed to do. I still currently don't have access to my funds and they have reject my jobs pay check I was supposed to receive. Now I am XXXX XXXX currently away from family with a wife and XXXX kids at home. I have access to none of my money and now I didn't even get my end of the month pay check. Nothing to support my family or myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Citibank has withheld access to my personal funds and wire transfer without explanation. After initiating a {$100000.00} wire, Citibank removed the funds from my available balance and froze my entire account balance ( ~ {$200000.00} ). The bank has provided no written notice, reason, or process to restore access, and all phone contact results in indefinite holds. There are no physical branches in my state ( Colorado ), leaving me with no recourse. All calls have been placed on hour long holds with no representatives speaking ( recordings and transcripts available ). 

This has caused significant business harm and loss of use of funds. Citibanks actions constitute an unfair and deceptive practice under Section XXXX of the FTC Act. 

The Federal Trade Commission Act ( 15 U.S.C. 45 ) defines a practice as unfair or deceptive when it : - Causes or is likely to cause substantial injury to consumers, - Can not be reasonably avoided by consumers, and- Is not outweighed by countervailing benefits to consumers or competition. 

My situation meets all three elements : XXXX. Substantial injury {$200000.00} in personal funds frozen without access or explanation. 
Immediate business harm : missed payments, inability to pay employees. 
Loss of interest and liquidity. 

XXXX. No reasonable way to avoid harm - I verified my identity multiple times. ( Call logs and transcripts available ) - Citi has no branch in Colorado, removing all in-person options. 
- Phone lines routed me to hours of holds with no human response. 

XXXX. No legitimate benefit or disclosed policy justification - Citi can not provide a reason for the freeze. 
- The mailed-code requirement was introduced after the problem began. 
- The bank deducted funds from my available balance while refusing to process the transaction or return the money.

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 2025-10-31 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:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX  % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-31 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: GA

Complaint narrative:
I am writing to formally dispute several items on my credit report, as I believe they have been inaccurately reported and violate provisions of the Fair Credit Reporting Act ( FCRA ). I respectfully request that you thoroughly investigate these items and make the necessary corrections, deletions, or updates as required by law. 
Equifax : 1. Account : XXXX XXXX o Account Number : XXXX o Status : Collection/Chargeoff o Balance : {$1800.00} o Date Opened : XX/XX/XXXX o Issue : This account was reported under dispute, but the dispute status is not being accurately reflected. It also shows late payment status and collection despite no such payment history. 
o FCRA Violation : Reporting of incomplete or inaccurate information under 1681e ( b ) and 1681i ( a ) ( 1 ) ( A ).

2. Account : XXXX XXXX XXXX o Account Number : XXXX o Status : Collection/Chargeoff o Balance : {$220.00} o Date Opened : XX/XX/XXXX o Issue : This account was reported with a balance and late payments ; however, I dispute the amount owed as it does not reflect accurate payment records. 
o FCRA Violation : Inaccurate reporting of late payments under XXXX ( b ) and XXXX ( a ) ( XXXX ) ( A ). 
XXXX. Account : AUTOMOTIVE FINANCIAL O o Account Number : XXXX o Status : Repossession o Balance : {$8700.00} o Date Opened : XX/XX/XXXX o Issue : The account is showing as repossession with a balance, but there is no confirmation of the repossession process or balance due.

o FCRA Violation : Reporting of inaccurate balance and status under 1681i ( a ) ( 1 ) ( A ).

4. Account : XXXX XXXX XXXX XXXX Account Number : XXXX o Status : Collection/Chargeoff o Balance : {$970.00} o Date Opened : XX/XX/XXXX o Issue : This account is being reported as collection despite the fact that I did not authorize such a collection process. 
o FCRA Violation : Reporting of inaccurate information under 1681e ( b ) and 1681i ( a ) ( 5 ) ( A ).

Data Breach Concerns : I request that you investigate these accounts to ensure that no fraudulent activity has taken place and that these accounts were not the result of identity theft or a data breach. If any of these accounts were opened as a result of a data breach, please immediately remove them and correct any related reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am submitting this formal complaint regarding inaccurate and uncorrected information appearing on my credit report, despite multiple disputes submitted to the credit reporting agencies. The accounts in question are as follows : XXXX XXXX Bank Account opened XX/XX/XXXX, with a reported balance of {$15000.00}. This account is inaccurately reporting late payments, which should reflect a {$0.00} balance and no delinquencies. 

XXXX Bank Account opened XX/XX/XXXX, with a reported balance of {$2100.00}. This account should have been removed entirely from my credit report, as I have disputed it multiple times without resolution. 

I have made several formal disputes through the appropriate credit reporting channels ; however, the inaccurate information remains. This failure to correct or remove the disputed data constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that credit reporting agencies and furnishers of information must investigate disputed entries and delete or correct any information that can not be verified as accurate.

The continued reporting of these erroneous accounts has caused measurable harm to my credit standing and financial opportunities. I am therefore requesting immediate investigation and deletion or correction of these inaccurate items from all credit reporting agencies. 

If this matter is not promptly resolved, I will consider pursuing further remedies, including formal regulatory escalation and potential legal action for failure to comply with the FCRAs accuracy and reinvestigation requirements. 

Thank you for your prompt attention to this matter. I expect a full written response and confirmation of corrective action within the timeframe established under federal law.

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am submitting this formal complaint regarding inaccurate and uncorrected information appearing on my credit report, despite multiple disputes submitted to the credit reporting agencies. The accounts in question are as follows : XXXX XXXX Bank Account opened XX/XX/XXXX, with a reported balance of {$15000.00}. This account is inaccurately reporting late payments, which should reflect a {$0.00} balance and no delinquencies. 

XXXX Bank Account opened XX/XX/XXXX, with a reported balance of {$2100.00}. This account should have been removed entirely from my credit report, as I have disputed it multiple times without resolution. 

I have made several formal disputes through the appropriate credit reporting channels ; however, the inaccurate information remains. This failure to correct or remove the disputed data constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that credit reporting agencies and furnishers of information must investigate disputed entries and delete or correct any information that can not be verified as accurate.

The continued reporting of these erroneous accounts has caused measurable harm to my credit standing and financial opportunities. I am therefore requesting immediate investigation and deletion or correction of these inaccurate items from all credit reporting agencies. 

If this matter is not promptly resolved, I will consider pursuing further remedies, including formal regulatory escalation and potential legal action for failure to comply with the FCRAs accuracy and reinvestigation requirements. 

Thank you for your prompt attention to this matter. I expect a full written response and confirmation of corrective action within the timeframe established under federal law.

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 2025-10-31 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: MI

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