vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
bXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnFormal Complaint Regarding Failure to Properly Investigate Disputed Credit Report Information  Violation of 15 U.S.C.  1681i\nTo Whom It May Concern:\nI am writing to file a formal complaint against your agency regarding your failure to properly investigate inaccurate information contained in my credit report, in violation of the Fair Credit Reporting Act (FCRA), specifically 15 U.S.C.  1681i.\nOn [insert date], I submitted a formal dispute regarding the following item(s) in my credit report:\n\tCreditor Name/Account Number: XXXX XXXX XXXX XXXXn\tNature of Dispute: Incorrect balance or payment history\nAccording to 15 U.S.C.  1681i(a)(1)(A), upon receiving a dispute from a consumer, a credit reporting agency is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and to do so within 30 days.\nDespite submitting detailed evidence including [list documents you provided], the disputed information remains on my credit report without any reasonable explanation or evidence that a proper reinvestigation was conducted. This suggests noncompliance with the FCRA.\nI hereby demand:\n1.\tA complete description of the reinvestigation process conducted for this dispute.\n2.\tThe name and contact information of the person or entity that verified the disputed item.\n3.\tImmediate deletion or correction of the inaccurate information if it cannot be verified as accurate.\n4.\tA revised copy of my credit report reflecting the outcome of the investigation.\nIf you fail to comply with your obligations under the FCRA, I reserve the right to file complaints with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and my state Attorney General. Additionally, I will consider pursuing legal remedies under 15 U.S.C.  1681n and  1681o, which allow for actual and statutory damages, costs, and attorneys fees.\nPlease treat this matter with urgency and respond to my request within the legally required time frame.\nSincerely,\nXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year> I had checked my XXXX XXXX XXXX  and noticed a few XXXX inquiries that I did not give authorization to do. I would like this removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 2025-06-03 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: NY

Complaint narrative:
I was alarmed to find these inaccurate XXXX  payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: Atlanticus Services Corporation
State: MD

Complaint narrative:
I spoke with a number of XXXX XXXX, the last one was XXXX, I explain that my husband XXXX XXXX in XXXX and I was moving out of the house, in XXXX, Maryland. ( XXXX ( XXXX XXXX told me that when I found my new home, they would put the equipment in my new home free ). I asked them to come and pick up there equipment, they did so in XX/XX/XXXX. They tore up the ways taking the equipment out I had to pay the new owners {$500.00} extra to fix the damage. I moved into my new home in XXXX XXXX. I contacted XXXX, in XX/XX/XXXX, I was informed that they would put the equipment in, which took place in XX/XX/XXXX. Fortiva, prior was XXXX  and was trying to charge me for my XXXX XXXX account. Finally, that stop sending the bills, in my XXXX name and put it in my name. I complain and they finally stop. Now Fortiva has sent my name to the XXXX XXXX charging me {$1800.00}, they are reporting that I am XXXX and charging me {$88.00} a month. I never signed on with Fortiva, this is XXXX XXXX I told them I would pay them {$35.00} a month on a {$1500.00} equipment fee. I never agreed to pay them {$1800.00} and {$88.00} a month. I am a XXXX XXXX ( XXXX ) years old, receiving {$1800.00} a month. I would have never agree to there terms. Fortiva is trying to over charge me for my XXXX debit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: IL

Complaint narrative:
I am writing to formally dispute the inclusion of the following inaccurate and XXXX  accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within XXXX days, it must be deleted immediately from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: IL

Complaint narrative:
Under XXXX XXXX XXXX a consumer reporting agency XXXX only furnish a consumer report if there is permissible purpose, and in several instances explicit authorization. Any reporting or distribution of a consumer 's credit information without accuracy & such a legally permitted purpose is a violation of 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 2025-06-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Hanwha QCells USA Corp
State: TX

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX visited our home to sell us a solar panel system. He presented compelling savings projections and assured us that the installation would be quick and issue-free. Based on this representation, we agreed to proceed. 

Unfortunately, the experience has been anything but smooth. The installation company he worked with repeatedly failed XXXX inspections, delaying progress for weeks. Despite these failures, the company somehow received final approval to proceed with the installation. 

In the following months, I began noticing issues with the systems performance. By XX/XX/XXXX, I discovered that an entire section of solar panels had never been connected and was not generating any energy. This is a clear case of installation negligence. 

When I contacted XXXX, the loan provider, I was met with continuous delays. XXXX kept me on hold for nearly XXXX hours at a time, offering no clear resolution. When I requested to cancel the loan due to breach of contract and non-performance, they instead sent another installer to finally complete the work nearly a year later. 

While the new installer is working to correct the problem, theyve now identified XXXX to plumbing sub-stacks, likely caused by the original installation. This has only added to our XXXX XXXX XXXX XXXX 

This entire process has been a major XXXX for XXXX XXXX XXXX me. We feel XXXX XXXX XXXX by the lack of professionalism and accountability throughout. At this point, I am formally requesting the immediate cancellation of the loan contract due to breach and XXXX  caused. I will not recommend solar panels to anyone based on this experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received unauthorized redemption of my XXXX XXXX  card points and called XXXX XXXX department in real-time. They said that I would receive the points back in a few days. It's now been over XXXX business days and I have not gotten anything back. 

I believe my XXXX and XXXX  accounts were hacked to make the redemption.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This is a formal and final complaint regarding inaccurate, unlawful credit reporting of my XXXX student loan account by XXXX XXXX and the consumer reporting agencies ExperianXXXX XXXX XXXX XXXX While I was enrolled in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Public Law XXXX, Section XXXX ), no payments were due, and adverse reporting was strictly prohibited. Despite this, my credit files show XXXX and XXXX XXXX during that protected periodan egregious violation of both the XXXX XXXX  and the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX ( a ). 

I previously submitted documentation proving my enrollment XXXX XXXX  and my full compliance. XXXX has already removed these accounts as of XX/XX/year>, confirming that the XXXX  data was unjustified. The remaining credit reporting agencies have failed to take appropriate action, and XXXX has supplied unverifiable and likely forged documents in support of inaccurate reporting, constituting willful noncompliance and potential FCRA liability under XXXX and XXXX. 

I demand immediate correction within XXXX business days : Update the account status to XXXX XXXX XXXX XXXX XXXX XXXX, Permanently remove all inaccurate XXXX entries from my credit files, Cease and desist from reinserting false information. 

Failure to act will result in escalated legal action and formal complaints to the FTC, XXXX Department of Education, and State Attorney General.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: OH

Complaint narrative:
This is a formal and final complaint regarding inaccurate, unlawful credit reporting of my XXXX  student loan account by XXXX XXXX and the consumer reporting agencieXXXX XXXX  Equifax, XXXX XXXX. While I was enrolled in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Public Law XXXX, Section XXXX ), no payments were due, and adverse reporting was strictly prohibited. Despite this, my credit files show XXXX and XXXXXXXX XXXXXXXX during that protected periodan egregious violation of both the XXXX XXXX XXXXnd the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX ( a ). 

I previously submitted documentation proving my enrollment in XXXX  and my full compliance. XXXX has already removed these accounts as of XX/XX/year>, confirming that the negative data was unjustified. The remaining credit reporting agencieXXXX  have failed to take appropriate action, and XXXX has supplied unverifiable and likely forged documents in support of inaccurate reporting, constituting willful noncompliance and potential FCRA liability under XXXX and XXXX. 

I demand immediate correction within XXXX business days : Update the account status to XXXX XXXX XXXX XXXX XXXX XXXX  Permanently remove all inaccurate derogatory entries from my credit files, Cease and desist from reinserting false information. 

Failure to act will result in escalated legal action and formal complaints to the FTC, XXXX Department of Education, and State Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ABC Credit & Recovery Services Inc.
State: IL

Complaint narrative:
In XX/XX/XXXX, I enrolled in a fitness membership with XXXX  XXXX XXXX. The original agreement stated a monthly renewal clause, which I later realized allowed for automatic charges unless canceled in writing. 

On XX/XX/XXXX, I formally emailed the company to cancel my XXXX personal training agreement, as I could no longer afford the service and had not been using it. Despite my clear cancellation request, the company responded by saying the cancellation was invalid because XXXX months of payment were still owed, even though I had not received services during that time. 

I attempted to resolve the issue directly, including visiting the business in person and communicating via email. I never received adequate assistance or acknowledgment of my financial situation. On XX/XX/XXXX, I was told my cancellation would not be accepted unless I paid the balance. Then on XX/XX/XXXX, the company informed me that my account had been sent to collections, and warned me not to contact them further. 

I am disputing this debt because : I clearly requested cancellation in writing. 

I did not receive services during the months they claim I owe. 

I communicated repeatedly about financial hardship and was ignored. 

The company failed to honor its responsibility to assist with membership changes in good faith. 

This has caused me unnecessary stress and harmed my credit standing. I believe this debt is unjust and should not be pursued by collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: OH

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: IN

Complaint narrative:
I am alerting you to fraudulent accounts placed on my credit file following a data breach. 
Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX  Date : XX/XX/year> XXXX  Date : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: IN

Complaint narrative:
I am alerting you to fraudulent accounts placed on my credit file following a data breach. 
Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX  Date : XX/XX/year> XXXX  Date : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: CBC Companies, Inc.
State: OH

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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 inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : EQUIFAX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CO

Complaint narrative:
Before the XXXX program my loan was put in administrative forbearance during a move from the old Mohela account to the new Ed.Mohela. This was around XX/XX/year>. No interest is accrued during an administrative forbearance. My records show no interest charged. Then before I could pay again my loans were put into Administrative forbearance again due to the whole SAVE plan. I have made all payments, I was enrolled in auto pay. Somehow Mohela is claiming I have around {$1000.00} in unpaid interest. They will not provide proof I owe this money and they continue to charge additional interest on this " owed '' interest. They claim they don't have the records because of their moving my account and their changing of my account number.

Company response to consumer: Closed with explanation