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: MD

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately on the following Account : XXXX Account number : XXXX Date Opened : XX/XX/XXXX Late Payment Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX The consumer reporting agencies need to report all information with COMPLETE accuracy. I am requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I am demanding these payments be updated to " paid on time '' immediately. Attached are a copy of my government-issued ID, Social Security Card, and Passport.

Thank you for your immediate attention to this matter. I look forward to your prompt action and response.

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: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: FIFTH THIRD FINANCIAL CORPORATION

Complaint narrative:
On XX/XX/XXXX, I signed a XXXX loan agreement with XXXX XXXX XXXX and Dividend Finance ( now part of Fifth Third Bank ) to install a rooftop solar system. The system became operational in XX/XX/XXXX, but XXXX solar panel has significantly underperformed since activation due to a defective microinverter or panel. XXXX confirmed the problem, opened Case # XXXX, and shipped a replacement unit. 

XXXX XXXX ceased operations shortly after I reported the issue. Their listed partner ( XXXX XXXX ) refused to honor the workmanship warranty unless I paid for service. XXXX confirmed the fault but only provided the replacement part, not the installation. No certified installer has completed the repair. 

I formally requested that Dividend/Fifth Third pause payments or assume responsibility under the FTC Holder Rule ( 16 C.F.R. 433 ), which allows a consumer to withhold payments if a financed product is defective or not delivered as promised. Dividend refused to take responsibility. 

I continue to make full monthly payments on a system that is not fully functional. This constitutes breach of contract by the installer, negligence by the lender, and potential violation of federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: RI

Complaint narrative:
Date XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Zip XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( account number ) XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Equifax Experian Transunion

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that XXXX  immediately block and permanently remove multiple fraudulent accountsspecifically collections, charge-offs, late payments, and hard inquiriesthat were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report XXXX along with supporting documentation, including proof that my personal data was compromised in the XXXX  data breach. XXXX such fraudulent account is being reported by XXXX XXXX under account number XXXX, opened on XX/XX/year>, with a balance of {$100000.00}. This mortgage account is not mine and must be removed immediately in accordance with my rights under federal law. 
I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent account appearing on my consumer XXXX credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a mortgage opened at XXXX XXXX on XX/XX/year> under account number XXXX with a balance of {$100000.00}. I did not authorize or open this account, and its presence has caused fraudulent hard inquiries and inaccurate negative reporting on my consumer XXXX credit report. I demand that this fraudulent item be immediately removed from each of my consumer credit reports and that all collection activity and reporting related to it cease permanently in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within XXXX ( XXXX ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally request the correction of inaccurate personal information listed on my credit report. These errors have been causing significant issues with my credit applications, which is both frustrating and unfair.

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 2025-07-26 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: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-26 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion immediately block and permanently remove multiple fraudulent accountsspecifically collections, charge-offs, late payments, and hard inquiriesthat were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report XXXX along with supporting documentation, including proof that my personal data was compromised in the XXXX  data breach. XXXX such fraudulent account is being reported by XXXX XXXX under account number XXXX, opened on XX/XX/, with a balance of {$100000.00}. This mortgage account is not mine and must be removed immediately in accordance with my rights under federal law. 
I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a mortgage opened at XXXX XXXX on XX/XX/XXXX  under account number XXXX with a balance of {$100000.00}. I did not authorize or open this account, and its presence has caused fraudulent hard inquiries and inaccurate negative reporting on my consumer FICO credit report. I demand that this fraudulent item be immediately removed from each of my consumer credit reports and that all collection activity and reporting related to it cease permanently in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
I sent XXXX XXXX the debt validation And chain off assignment letter they have not prove that they was giving rite to sell and collect of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
Opened bank account with Santander Bank, received Debit card in email within a week, went to activate over phone, call went to customer service who informed card can not be activated because it is blocked and account is closed and banking relationship is terminated by Santander Bank, wont tell reason instead suggested to visit local branch to find out more. Visited brance, branch advised to call XXXX  number, called the number provided said account is terminated for unknown reason suggesting discuss local branch manager. Santander Branch manager called Santander customer service but was told same on the internal banking call that account is closed and even branch manager can not tell why it was closed. No communication to customer ( me ) that bank account is closed as l had direct deposit setup that need to cancel calling employer. Bad management.

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: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am filing this complaint regarding a delayed auto loan payoff with Ally Financial that has resulted in my account being marked as past due, despite payment being sent and confirmed delivered over XXXX weeks ago. 

The vehicle loan in question is under my name : XXXX XXXX Loan Number : XXXX On XX/XX/2025, XXXX of XXXX ( located at XXXX XXXX, XXXX, CA XXXX ) mailed a payoff check ( # XXXX ) in the amount of {$19000.00} to Ally Financial on my behalf. The check was sent via XXXX and delivered on XX/XX/2025, confirmed with tracking number XXXX. 

Despite Ally having received the full payoff amount, as of XX/XX/XXXX, the payment still has not been applied, and my account has been marked past due. I have made multiple calls to Ally Financial and have been told repeatedly to wait, even though the XXXX processing window they initially cited has passed. 

This delay is unacceptable and is now affecting my credit through no fault of my own. I have provided Ally with all necessary information including proof of delivery, the check number, and confirmation from the dealership. Still, they have failed to apply the payment or properly address my concerns. 


Please let me know if additional documentation is needed. I can provide confirmation from the dealership and XXXX as well. 

Thank you for your time and attention to this matter.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XX/XX/XXXXdays to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Venmo is exercising control over funds in a way that deprives the rightful owner of its use or possession. 

There has been customer service failure to aid in an emergency brought forth by the systems that Venmo uses to operate. 
XXXX  services have caused an unnecessary financial hardship and have failed to provide a reason as to why. 
There have been no attempts made to justify the action and only offer a vague response in like-ness to " it's the system, there's nothing we can do, XXXX days to release ... '' No fraud or compliance reason exists for the continued hold. Venmo has no legitimate basis to continue holding verified funds. 


I was in a car wreck last XXXX. After months of struggling, I finally received an insurance settlement for the sum of {$10000.00} from that wreck. In the process of paying overdue bills ( overdue because of an inability to function regularly, an issue caused by wreck ) my account was suspended/frozen. ( {$10000.00} - bills = {$7900.00} remaining and frozen ) Ive called and emailed and have not once been given a clear, valid, legitimate reason for them holding onto verified funds, no matter how many times it is asked. 

It is absolutely dire for me to access my funds. They have caused a financial hardship on an already financial hardship. A financial harder-ship, if you will. 

XXXX is nearing, i have an infant, and homelessness is on the horizon. 

They suspended/froze my account, yet I was able to deposit {$3.00} from an already linked bank account into that suspended account... I find this to be a deceptive practice. Does this not violate some consumer protection law? Is this not unjust enrichment, that they benefit from having more of my money while i can't access any of it? Isnt this a breach of implied covenant? Do banks not have duties of good faith and fair dealing? It shows they're selectively applying their " security concerns. '' If the account was truly suspicious, why accept more deposits? It demonstrates they're comfortable taking money but not giving access to it.

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: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Received notice of Credit Card Application denial from XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX  concerning Credit Card Applications filed on XX/XX/XXXX - XX/XX/XXXX at or about XXXX hours. Verbally spoke with XXXX XXXX and XXXX XXXX  operators about the apps. Both stated that they would remove items from my bureaus and forward letters. XXXX XXXX would not transfer to an operator without an active account number.

I did not at anytime place any applications with any banks for credit or for new Credit Cards. 

XXXX and XXXX stated that I should immediately file statements/complaints with the three reporting agencies and file a complaint here.

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 2025-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GREENSKY OPERATIONS, LLC
State: OH

Complaint narrative:
Keep getting text from a company that represents Green Sky for a loan for a Heating and air conditioning company. We havent used this or contacted such a company.

Company response to consumer: Closed with non-monetary relief